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Around March of this year the way your credit score is calculated will change.
Fair Issac claims the new scoring model will reduce default rates. It is safe to assume negative items on a report will affect your credit score more so than in the past.
__________________ Greg Phillips Manager Fairfield Mortgage Company "I can lend in 50 states" HomeBlogForums
Cool - default rates are bad for everyone as far as I'm concerned. Since most of us think that as long as we get approved for a loan we can afford the loan the reduction in overall approvals could be helpful as well.
FICO 08 - Revamping of Credit Scorecards 
