Great summary!
There was supposed to be a change in the way that scores are calculated, called FICO 08. Experian was going to start it in October, with the other two following in January. So far, everything is on hold, although it looks like some companies, including AmEx, stopped reporting AU's several weeks ago.
So for the moment, it might well help, but don't count on it to last.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007