I think this is related to the sites' algorithms.

The algorithms used for calculating the credit score are different between Vantage and FICO, and even between the different FICO models.

I feel like somebody might have a good algorithm for these kinds of situations putting a tax strategy into play. 

They have keynesian economists (in white lab coats) with fancy equations and computer algorithms.

Nearly all debt/credit providers are going to bucket you, and generally, the "best" bucket is 760 and above (though I've heard some say 750 and above or 780 and above).The reason for this is that -- as Bryan alluded too -- the difference between a score on the lower end of that range and a score on the higher end of that range has little to do with creditworthiness, and more to do with understanding the algorithms that the credit bureaus use and attempting to optimize your credit decisions around them.So, if you have a credit score in the upper 700s or better, I really wouldn't worry much about how to improve it.

It is automated by our private algorithm and by personal preference of our blog mods.

Otherwise your formula, algorithm, solution is just shooting in the dark.

"High frequency" trading firms use super-fast processors and trading algorithms designed and tweaked by PhD's in real time every single day to rake tens of billions of dollars out of the pockets of average investors each year, through manipulation of bid/ask spreads and direct data pipes into the major exchanges.

I would prefer the search algorithms/functions to be a little more user friendly but it's nothing more than just "getting used to".

"U.S. playbook" :roll: :roll: :roll: God helps us all if they ever apply the Ebay/Paypal algorithm to World Politics...