I was under the impression if a HUD bid is accepted on HUD home store it was an algorithm that accepts it, as in no human involved.

Credit score is a function of available credit to usage.The algorithm punishes you for using most of your available credit lines.For example take 10,000 a your credit limit.7,500 or more used really hurts your score, 5,000 or more is neutral, and 3,300 or less helps your score.So 75% hurt,50% is okay, 33% or under helps.If CC's are high you can do a combo of paying some down and also asking for a credit limit increase which will lower your balance to usage ratio and should help your score rise some again.No legal advice.

In this case, I think the zestimate (based on their algorithm and not on inside appraisal, inspection or any on-site analysis) is completely misleading.

I know lots of people like organic traffic but being that the algorithms change so often I feel like the safer bet is to "pay and play".

@Michael DeStefano Many of these value estimates are very simple mass appraisal algorithms that are employed by the site you are using.

. • Make sure you can set up a business that relies on algorithms for leasing, to minimize vacancy loss.

Facebook uses an algorithm to sort what content gets shared to your friends newsfeeds, favoring popular and/or paid content.

They are constantly tuning their price algorithms so it does not seem unreasonable to see values jump around now and then.  

I understand that Zillow's algorithms use information from areas that may over-extend the boundaries of the primary area of sale to come up with an estimated sales price.

This allows you to borrow all of the payment/transaction history (which is roughly 35% of the weight to your FICO algorithm/score) all the way back to when the card was opened.