An aim towards positive account scoring with the maximum number of points possible for your file is a necessary goal. Merrill Chandler shows how this can be achieved by sharing the actual secret list that FICO uses to evaluate your fundability and how it corresponds with the lender underwriting software. Merrill emphasizes on the essence of optimization – increasing fundability points and decreasing negative drag against your profile. He also points out the importance of understanding what is being measured.

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