WalletHub VS Credit.com

I don't think the wallethub.com list is the source I would rest my entire case on, but I already conceded that Springdale is almost as diverse as Little Rock. I wouldn't lean too heavily on "there are multiple types of diversity, and also different kinds of white people" argument either if I were you. Anyway, it appears you have a chip on your shoulder about the whole thing so enjoy your downvote lol. Source: 10 months ago

I think it's important to understand that your source is a nothing but an advertisement for the website https://wallethub.com/. Source: over 1 year ago

Created a new account at wallethub.com to monitor credit ongoing. Source: over 1 year ago

If you don’t pay your credit card you are being charged 36% on the new First PREMIER® Bank Credit Card. The card is unsecured and for bad credit. It has an annual fee of $50 - $125 1st yr, $45 - $49 after that. Plus, there’s a $55 - $95 one-time processing fee. (According to wallethub.com). Source: almost 2 years ago

His home, that certainly could be a pretty big difference, again depending on a lot of factors. The median home price in NYC is $733k per Zillow, and $161k in STL, so that is a big difference. If he'd buy the median home in either place then I get a ~$10.5k difference in property taxes (using figures I got from wallethub.com). Source: over 2 years ago

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: 12 months ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: about 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: about 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: about 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: about 1 year ago