@EmbraceTheGray@social.privacytools.io I have spent some time studying the formula for credit scores, so I have it down to a science. I am well aware of how each factor contributes to the score and to what degree. Which is also how I know certain aspects (like the one I mentioned doesnt make sense)..

With that said if you dont know the rules it can seem very much random and confusing and hard to grasp whats going on. I could of course take a glance at your credit report and probably know immediately what your doing wrong and how to maximize it, but unless you take the time to learn it you probably would never see the pattern.