| Scoring Model | AU Account Weight | |---------------|------------------| | | Full weight (almost same as primary) | | FICO 9 | Reduced weight — ignores AU accounts if they are the only positive tradeline | | FICO 10 | Similar to FICO 9 — can detect “bought tradelines” | | VantageScore 3.0/4.0 | Full weight, but algorithmic detection increasing |
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