Comments on: Factors That Influence Your FICO Credit Score http://www.creditaddict.com/archives/factors-that-influence-your-fico-credit-score/ feeding your credit card addiction... Fri, 27 Jan 2012 05:46:14 -0500 http://wordpress.org/?v=abc hourly 1 By: admin http://www.creditaddict.com/archives/factors-that-influence-your-fico-credit-score/comment-page-1/#comment-504 admin Wed, 23 Apr 2008 12:22:36 +0000 http://www.creditaddict.com/archives/factors-that-influence-your-fico-credit-score/#comment-504 Interesting point, Moqui. Assuming this to be true, however, I would have to say that the difference is attributable to the name change, not to the sex difference. Yes, it's typically women that change their names upon marriage, but that wouldn't affect an unmarried woman or one who doesn't change her name when she gets married. In our case, my wife's credit score is (I think) a few points higher than mine despite having taken my last name, stayed at home with the kids, etc. One difference that I can think of is that she's two years older, and thus perhaps has a slightly longer credit record. Regardless, it's all academic at this point since we both have very high credit scores. Interesting point, Moqui. Assuming this to be true, however, I would have to say that the difference is attributable to the name change, not to the sex difference. Yes, it’s typically women that change their names upon marriage, but that wouldn’t affect an unmarried woman or one who doesn’t change her name when she gets married.

In our case, my wife’s credit score is (I think) a few points higher than mine despite having taken my last name, stayed at home with the kids, etc. One difference that I can think of is that she’s two years older, and thus perhaps has a slightly longer credit record. Regardless, it’s all academic at this point since we both have very high credit scores.

]]> By: Moqui http://www.creditaddict.com/archives/factors-that-influence-your-fico-credit-score/comment-page-1/#comment-503 Moqui Wed, 23 Apr 2008 12:04:11 +0000 http://www.creditaddict.com/archives/factors-that-influence-your-fico-credit-score/#comment-503 Dear 5¢: I believe sex is a factor as well. I was once told by a credit-industry worker that, all else being equal, a woman will still have a lower credit score, because they get married, change their names, and disappear. I believe this to be true, if not optimistic, because I have earned 30-60% more than my husband for my entire married life (24 years) and his credit score is about 50 points higher than mine. All of our accounts are joint. Go figure! Dear 5¢:
I believe sex is a factor as well. I was once told by a credit-industry worker that, all else being equal, a woman will still have a lower credit score, because they get married, change their names, and disappear. I believe this to be true, if not optimistic, because I have earned 30-60% more than my husband for my entire married life (24 years) and his credit score is about 50 points higher than mine. All of our accounts are joint.
Go figure!

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