Good point.
1) No, reports have said 60 points, and I stated that to begin with. I don't work for FICO and neither do you.
2) "If" started a hypothetical. I could have said 1 out of 3 or 1 out of 100. My hypothetical, my language. In any case, 35% isn't significant enough to be conclusive when the remaining factors account for 65%. In fact, even if those values were transposed, it still wouldn't be conclusive.
3) Even if what you're saying is true and you've polled your acquaintances to determine this precise scenario, it's still just anecdotal evidence.
4) Then I must have misunderstood what "!" means. Either way, chillax.
1) I doubt it you saw any report stating that
2)the remaining factors in my case didn't have any bad affect on her CR [no late payments,no collections,no change in credit age etc.]
3)isn't
caps lock what you call screaming? but I guess when some1 disagrees with you, you can tell him whatever you have handy
4) you may possess very good argumenting skills, but you also
cant admit on mistakes,so its a waist of time arguing with someone who might have agreed with you already but wouldn't admit it,
5)feel free to pm me that you agreed