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Consumer challenges credit-score methodology

How do credit scorers know whether I have too much debt?

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"When I ordered my FICO score, one of the reasons given for my low score was that 'The amount owed on your accounts is too high.' Since I own marketable securities that are worth twice as much as all my debts combined, how did they come to this completely unjustified conclusion? And what can I do about it?" The two major components of a credit score, which on average account for two-thirds of the total score, are payment history and amounts owed. Where the first is a record of how well you have met your obligations over the years, the second is a snapshot of your indebtedness right now. If your credit history is short, your current indebtedness can be the most important factor determining your credit score. Ordinarily, a financial advisor seeking to determine whether consumers were living within or beyond their means would look at debts relative to assets and income. But the FICO credit scorers don't have information on assets or income, only on debt. They must make do with that. ...