LogFAQs > #971607578

TaylorHeinicke posted...

That helps my point though -- the issue is with how the system is built. Someone with a good payment history on four years of a big ticket item like a car shouldn't have a 700, they should be higher than that.

The person with zero history shouldn't have an 800.

On the surface, I agree. The person with a good payment history should have a higher score. They shouldn't be punished for being good.

It's just how it be. Having nothing and being at 800 is like dividing by 0. The system isn't able to bother with it but any automatic approvals will take it as is since they're usually smaller accounts with less risk and manual approvals will weigh out everything because the accounts are large enough to be critically processed