NFP is considered a
leading indicator of employment, which in turn is a
leading indicator of overall economic health in the U.S. Currently,
as the U.S. economy attempts to gain solid footing after the financial debacle of the last few years, NFP holds extreme
importance since employment is a major problem right now.
The
importance of recent credit activity in scoring comes from research showing that not only is low utilization an
indicator of lower risk, but maintaining low utilization while continuing to use credit responsibly —
as opposed to paying off debt and putting the cards away — can be an
indicator of even lower future risk and
lead to a slightly higher score.