It depends on several things. First off, where did you get your report from? Some aren't quite as reliable as others and don't truly reflect the information on your CR. Are they reporting as a factoring company? This is a tactic they use to show themselves as an OC and give them some of the OC's reporting abilities. It's not wrong in itself, but can be depending on they do with the reporting.
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.