There are too many variables that it's algorithms can't account for.  

This also will help boost your credit scores you will remove all revolving debit which is looked at differently in the credit scoring algorithm. 

They might have a great algorithm, but it doesn't take into consideration the elementary school abutting the backyard, the freeway a block away, an overbuilt or underbuilt house, that in some neighborhoods a pool actually is a negative value, a garage converted into a bed & bath, a one car garage in an area of two car garages, etc. etc.

The algorithms that are used to make your credit score are confusing bit I find going to www.creditkarma.com gives you grades on the different categories the algorithms use.

I dont know if the cd loan thing will work right now unless you can manage a low interest rate on the loan >5.75%you may want to up the card useage just a little , about $50 a month should be right about where the creditors like you , taht will raise the average balance on the card up to the 10% that they like to seetheres a whole formula to the FICO score thingCredit scores are numerical indexes based on an algorithm developed by Fair Isaac Company, called a FICO score.

You're correct that affiliate marketing isn't going to necessarily be stable cash flow -- should Google change their algorithms tomorrow, who knows how long it would take you to recover.

Bill Gulley when I was still lending one off to the general public I had a subscription to Lexus Nexus and they had a mortgage lender fraud algorithm since we could not meet everyone we dealt with..

Anyone selling mortgage payment history has some complicated "guestimate" algorithm they created or are flatout B.S.ing' you to get money from you...or again, are committing a crime and just haven't been caught yet.

Partially, this increase in difficulty is due to new algorithm changes.

The algorithm for Google constantly changes.