https://padlet.com/krasny/5zxbv3biys9v Made with charisma en-us 2018-01-12 13:51:37 UTC 2018-01-22 01:58:48 UTC hello@padlet.com https://padlet.com/krasny/5zxbv3biys9v/wish/221826161 1)It is so high because those two are involved the most with money. Debt and payment history are the most major.
2)Yes it does seem fair because people with lower credit scores lose less points than those with higher scores allowing a fair ]]> 2018-01-16 18:24:27 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221826161 https://padlet.com/krasny/5zxbv3biys9v/wish/221826306 1) I think they make up a majority of the score is because they are the most important factors someone would take into consideration when thinking of giving you a loan.
2) Yes I think it is a fair calculation because the most important factors are the majority add smaller factors make up less of the score.]]> 2018-01-16 18:24:49 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221826306 https://padlet.com/krasny/5zxbv3biys9v/wish/221826388 1.I think it's so high because they are most important when it come to showing how responsible you are with loans and payinng off your loans.
2. Yes because people who have accumulated a lot of debt and haven't paid off their debt in time in the past are major decidung facts for creditors, and should be reflected in credit scores

]]> 2018-01-16 18:25:02 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221826388 https://padlet.com/krasny/5zxbv3biys9v/wish/221826613 1.It is so high because most of the money is in this category. This also  shows what type of person you are. For example if you are organized and pay off your bills or unorganized and have a lot of debt.
2. Yes because if you cant be organized and know what you can spend and not, you should not be trusted by other companies.  ]]> 2018-01-16 18:25:31 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221826613 https://padlet.com/krasny/5zxbv3biys9v/wish/221827291 1. Its high because these two things show if you are up to date on your payments, and to show if you can handle credit.
2.  Its fair because it categorizes the people who are responsible with credit , rather than those who are not. ]]> 2018-01-16 18:27:00 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221827291 https://padlet.com/krasny/5zxbv3biys9v/wish/221827370  

1. I think it’s so high because it's the only trace of what you do with your money to base giving you a loan off of. 
2. Yes because it allows you to prov how trustworthy or not you are with your money

]]> 2018-01-16 18:27:09 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221827370 https://padlet.com/krasny/5zxbv3biys9v/wish/221828098 1. I think it is so high because it is the main source of the history of how you spend your money so the people can determine  whether or not to give you a loan
2. Yes because everyone gets the same method and it helps you understand your financial situation.]]> 2018-01-16 18:28:47 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221828098 https://padlet.com/krasny/5zxbv3biys9v/wish/221829594 1. i think its so high because  it shows how you spend your money and how much you owe in debt.

2. its fair because it helps you understand  not to spend a lot of money 

]]> 2018-01-16 18:32:07 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221829594 https://padlet.com/krasny/5zxbv3biys9v/wish/221829804 1. It high because it is the most important data about your credit habits.
2. Yes because the companies want to lend money to people who will pay it back and people should be responsible with their debts. ]]> 2018-01-16 18:32:31 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221829804 https://padlet.com/krasny/5zxbv3biys9v/wish/221830413 1. It's high because that is the most telling section of what kind of person you are when it come to your financial responsibility.
2. Yes because it is used for everyone with a credit card and helps you to see where you are more/less organized with your finances. ]]> 2018-01-16 18:33:51 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221830413 https://padlet.com/krasny/5zxbv3biys9v/wish/221830794 1.) they matter the most when you are trying to pay for your credit card, most important peices of information to your credit card.
2.) yes because it shows if you are able to handle money correctly.]]> 2018-01-16 18:34:49 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221830794 https://padlet.com/krasny/5zxbv3biys9v/wish/221830980 1. It is so high because these two things are the biggest factors when taking into consideration your credit activities and behaviors.
2.  It is fair because it shows how well or how poorly you manage your money.]]> 2018-01-16 18:35:24 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221830980 https://padlet.com/krasny/5zxbv3biys9v/wish/221833116 1. these factors take up more than half of your credit score because they are the most telling of your activity and responsibility when it comes to using credit cards
2. yes because the extended research of your credit history shows if you are really responsible enough for a loan, and the lender has a right to know who they are lending to.]]> 2018-01-16 18:40:31 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221833116 https://padlet.com/krasny/5zxbv3biys9v/wish/221836651 1)  I think it is high because they determine the FICO scores. You should be careful on how you manage your money and if you are in debt.
2)  I think it is fair because you should be careful on how much you use your credit cards and be more aware of spending. 

]]> 2018-01-16 18:47:24 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221836651 https://padlet.com/krasny/5zxbv3biys9v/wish/221849501 1. I think it's so high because your payment history is the best gauge of how reliable you are at paying back loans.
2. I think it is fair. I would like to know this information before i lend someone a lot of money.

]]> 2018-01-16 19:13:49 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221849501 https://padlet.com/krasny/5zxbv3biys9v/wish/221850542 1. I think it is so high because they will show best how responsible and reliable you are with money.
2. I think it is fair because if a person is smart with their money they will be able to have a good credit score.]]> 2018-01-16 19:15:41 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221850542 https://padlet.com/krasny/5zxbv3biys9v/wish/221852009 1. It's so high because timeliness is one of the most important things when paying back loans and the amount of debt shows how responsible you are with knowing how much you can afford to spend and be able to pay back. 
2. I believe that it's fair because it works for people who are responsible with money so if you aren't you can't complain about it. ]]> 2018-01-16 19:18:27 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221852009 https://padlet.com/krasny/5zxbv3biys9v/wish/221853514 1. I think it is so high because your payment history and total debt you have are the best way to judge how likely someone is to pay back a loan or payment. 
2. It does seem fair because if someone is responsible with their money and payments they can get a good credit score. They are all things I would like to know before I lend someone money. ]]> 2018-01-16 19:21:52 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221853514 https://padlet.com/krasny/5zxbv3biys9v/wish/221858988 1. I believe it is so high because your history shows how responsible you are with money
2. I think it is fair because people that are good with money they will have a better credit score. ]]> 2018-01-16 19:35:35 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221858988 veltre827 https://padlet.com/krasny/5zxbv3biys9v/wish/221858992 I think its high because they demonstrate if you are responsible with your money or not

I think this is fair because if someone is smart with their money they will receive a good credit score and have lower loan rates]]> 2018-01-16 19:35:36 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221858992 https://padlet.com/krasny/5zxbv3biys9v/wish/221859213 1. It is so high because the payment history and debt is the best way to show how reliable you will be in the future. 
2. It seems fair because it makes people take responsibility for their mistakes in the past and it allows people who manage their money well to be rewarded. ]]> 2018-01-16 19:36:09 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221859213 https://padlet.com/krasny/5zxbv3biys9v/wish/221859295 1. It's so high because it shows how well you can handle your money and how responsible you are.
2. It is fair because if you are responsible with your money you can have a good credit score.]]> 2018-01-16 19:36:26 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221859295 https://padlet.com/krasny/5zxbv3biys9v/wish/221859572 1. I think it is so high because your previous spending history and debt history is the best way to how how reliable you will be 
2. it is fair because it helps responsible people who are good with money ]]> 2018-01-16 19:37:16 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221859572 https://padlet.com/krasny/5zxbv3biys9v/wish/221860262 1. I think it is high because your payment history and debt show how you spend your money and how reliable you will be to repay the person.
2. I think it is fair because your payment history and debt show how responsible you are with money]]> 2018-01-16 19:39:07 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221860262 https://padlet.com/krasny/5zxbv3biys9v/wish/221861300 1. its high because it shows how responsible you are with their payments which is most important 
2.  yes it is fair because your payment history shows how responsible you are with borrowing money

]]> 2018-01-16 19:41:32 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221861300 https://padlet.com/krasny/5zxbv3biys9v/wish/221862622 1. I think it is high because debt and payment history are better indicators of financial behavior and how a person manages their money. 
2. I believe it is fair because people should be responsible with their money to have the privilege of borrowing money. ]]> 2018-01-16 19:44:46 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221862622 https://padlet.com/krasny/5zxbv3biys9v/wish/221862749 1) I think it's so high because your history shows how responsible you are with your money 

2) I think that it is fair because if you are good with money than the credit score should reflect that ]]> 2018-01-16 19:45:03 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221862749 https://padlet.com/krasny/5zxbv3biys9v/wish/221863744 1. I think it is so high because these two combined determine show if you are a reliable person and will pay back the debt. 
2. It seems fair because the banks are giving large amounts of money and they want to make sure the people they are loaning to are reliable

]]> 2018-01-16 19:47:19 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/221863744 https://padlet.com/krasny/5zxbv3biys9v/wish/222150491 1. I think the credit is so high because your  Payment History and Total Debt show how reliable you are with your money. 
2. The method for calculating credit scores is fair because it shows how responsible you are with money and how you balance money. ]]> 2018-01-17 17:22:58 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222150491 https://padlet.com/krasny/5zxbv3biys9v/wish/222150696 1. I believe it's high because  its based on your payment history so if you constantly fail to repay your bank than your FICO score deserves to be higher
2. It is fair because its all up to you, you decide what your score is based on how responsible you are]]> 2018-01-17 17:23:23 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222150696 https://padlet.com/krasny/5zxbv3biys9v/wish/222158828 1.I think it is so high because it shows your level of responsibility and how reliable you are.
2.This seems fair because if you can not pay for something then the company or person you are borrowing or buying from should know the risks of giving to you in advance.]]> 2018-01-17 17:41:45 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222158828 https://padlet.com/krasny/5zxbv3biys9v/wish/222180487 1. I think the History and Total Debt is so important because they show how responsible they are with the money they borrow and if they are likely to pay it back.
2. This seems fair to me because the two biggest categories show how reliable you are and that will help companies determine whether or not to lend you a loan. ]]> 2018-01-17 18:30:32 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222180487 https://padlet.com/krasny/5zxbv3biys9v/wish/222181279 1. They are such a high percentage because they really represent the way a person handles their money and if they're reliable with the money they've recieved and spent in the past.
2. It is fair because it will accuratley show how a person deals with their money and if they deserve the right to borrowing more money in the future]]> 2018-01-17 18:32:20 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222181279 https://padlet.com/krasny/5zxbv3biys9v/wish/222183189 1. this will allow the lenders to know how reliable you are and will be a large factor in their decision to lend you money or not.
2.It is fair because it keeps people accountable for the money that they use that is not theirs.]]> 2018-01-17 18:36:15 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222183189 https://padlet.com/krasny/5zxbv3biys9v/wish/222288502 1. It is so high since they are such important factors and the company's want to make sure they get there money back.
2. The method for calculating credit scores seems fair to me because the way they calculate it because they take all factors into consideration.]]> 2018-01-18 03:07:59 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222288502 https://padlet.com/krasny/5zxbv3biys9v/wish/222516984 1. Payment history and total debt comprise so much of credit score because they are the most important factors in determining creditworthiness.
2. The method is fair because there are no factors that you can't control.


]]> 2018-01-18 17:04:25 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222516984 https://padlet.com/krasny/5zxbv3biys9v/wish/222658275 1. I believe it is so high because it is really supposed to reflect how that person truly handles their money, and weather or not they are trustworthy enough to loan to.
2. I think the method is fair it may be a little harsh, but it displays that person's trustworthiness.
 ]]> 2018-01-19 00:35:29 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222658275 https://padlet.com/krasny/5zxbv3biys9v/wish/222854804 1. Payment History and Total Debt are so high because they are the key components of how good your credit is. With you doing bad with those your credit score will be bad.
2. Yes i think its fair I think that people should be over the credit because that's the most important factor If you have credit you should know whats going on.]]> 2018-01-19 16:42:37 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222854804 https://padlet.com/krasny/5zxbv3biys9v/wish/222912486 1. Payment history and total debt are so high because it shows how reliable you are with making your payments on time
2. It is fair because credit card companies should know who they should and shouldn't invest their money into]]> 2018-01-19 19:01:02 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/222912486 https://padlet.com/krasny/5zxbv3biys9v/wish/223178264 It is so high because payment history can really show others how reliable somebody is with their money and others money.
2. It is fair because it is a reliable way to show people how one really utilizes money and if they are good at paying back on time or not.]]> 2018-01-22 01:56:25 UTC https://padlet.com/krasny/5zxbv3biys9v/wish/223178264