​Changes in the way FICO changes your Credit Score?

[Lane Kawaoka]

1) Previously 50% utilization on each credit card (not aggregate of all cards) is now 30% to have an impact on score 2) They now look at "payment acceleration" meaning paying the minimums every month is looked down upon.. Might want to pay 50 bucks one month then 55 then 60 then 65... Anymore? I recently had the experience of missing the payments on two of my mortgages and went into default for 30-60 days and got register mail sent to me for being a naughty boy.. :/ In the end I saw my score take a 60 point hit.. But I don't really care because for commercial loans it does not really matter what your personal FICO is.