I think you are probably correct...but no way to prove it. If they change the history
Now someone needs to change all those ubiquitous FICO charts that accompany every article about credit, showing the 800 score sitting at the 91% point (indicating only 9% of scores exceed that level).
And I bet the increase from 9% to 13% is all due to AUs.
I laugh at the whole credit system......Here's why: I make good money and pay my bills as well as the bills of my wife. I have a few degrees from college and my wife is a few classes short of her degree. I work full time and I have since I was 18. My wife works here and there and makes a little over minimum wage. I fought for 9 months so my credit could be close to 700 while my wife never looks at her credit however and it stays close to 800. We have had the same bills for 18 years yet my wife receives pre-approved offers right and left while I receive offers for secured cards. Every time the mail arrives, I am reminded of the flawed system used to evaluate individuals. In a few years perhaps I can climb up close to 800. Gee this sounds fair to me.
Don't worry, I pay all our bills, my wife is self employed, and she has much better credit than me because she needed periodontal treatment and they gave here a big credit card to pay it (no interest if paid as agreed). I paid the bill and she now has an older credit history than me and a lower utilization