Ask me anything about your Credit Score

[latefordinner]

[ QUOTE ]
I don't understand this post. You are wondering why you are considered a credit risk? You regularly pay late, you had a car repossessed, and you have 17 traffic tickets.

[/ QUOTE ]

I didn't say I don't understand it - I simply said that I don't think late payment persay correlates as strongly with risk of default as the FICO score makes it and that given the easy computations involved separating out someone that has had credit for 10+ years and never defaulted but has a history of late payments vs someone that has late payments and is at a higher risk of default would be possible if they wanted them too.