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Re:The careless errors of credit reporting agencies by whorleater on Sunday September 11, 2016 @10:05PM (#12476766)
Yep, totally assumed higher loans -> higher repayment -> better ability to repay -> better credit. Definitely not as simplistic as I thought, thank you (and thedufer!) for making me realize this. Yay for accidental good debt management!
Re:The careless errors of credit reporting agencies by nommm-nommm on Sunday September 11, 2016 @10:22PM (#12476808)
Think about it, someone who owes $50,000 and is making minimum payments every month is a lot more likely to default on a loan than someone who borrows a few hundred a month once in a while.

If you want to see your real Experian FICO 8 credit score for free you can do so at freecreditreport.com which is a site now owned by Experian. They break down each part of your credit score and grade you on each. (A-F)