There are many who feel that having a ratio of positive listings to negative listings somehow offset each other. This is simply not the case. You can have the money positive listings and one negative listings and you’ll still see your interest rates rise and a lower than average score. It only takes one or two late 30 day payments to trigger a loan denial. You’ll find that even one late payment will need to be explained when you apply for a home mortgage.
It doesn’t matter if you got it right 99% of the time. It’s the 1% that the credit agency is interested in.