The reason I looked at the score drop and thought "opps, must be the fact that the store card is the only one reporting" is that I had read AZEO advice here on more than one occasion that said when a single card reports a balance, it's better that it's a major card. So in response, I charged a pizza delivery to the next major card that would report, and the points came back. There were no changes to my report in the meantime, and the score stuck for several weeks until an entirely new card was added to my report.
Whether my experience qualifies as a data point or not, I think it's prudent to advise people that if they're aiming for optimum scoring, the one card that reports a balance should be something other than a score card. I don't say that on the basis of whether or not the data is solid or repeatable across lots of profiles. I say it on the basis of "better safe than sorry."
Unfortunately, I can't repeat this as a test because I recently closed both of my store cards. Even if I had still had them, it would have been difficult for me to find an opportunity to use them. They were stupid acquisitions to begin with, thus the closures.
Question… on the myFICO reports, where to I find "official" reason codes? In various spots, I've been told that my account age is both good and inadequate. And I've been told that my account mix is both good and insufficient. 
@HeavenOhio wrote:The reason I looked at the score drop and thought "opps, must be the fact that the store card is the only one reporting" is that I had read AZEO advice here on more than one occasion that said when a single card reports a balance, it's better that it's a major card. So in response, I charged a pizza delivery to the next major card that would report, and the points came back. There were no changes to my report in the meantime, and the score stuck for several weeks until an entirely new card was added to my report.
Whether my experience qualifies as a data point or not, I think it's prudent to advise people that if they're aiming for optimum scoring, the one card that reports a balance should be something other than a score card. I don't say that on the basis of whether or not the data is solid or repeatable across lots of profiles. I say it on the basis of "better safe than sorry."
Unfortunately, I can't repeat this as a test because I recently closed both of my store cards. Even if I had still had them, it would have been difficult for me to find an opportunity to use them. They were stupid acquisitions to begin with, thus the closures.
Question… on the myFICO reports, where to I find "official" reason codes? In various spots, I've been told that my account age is both good and inadequate. And I've been told that my account mix is both good and insufficient.
EX has been squirrley for me, but I wholeheartedly agree that better safe than sorry when optimizing and using a national bankcard to be sure.
MF gives reason codes under the additional scores, full for every model there; they give a truncated set for FICO 8 and those are in the red 1, 2, etc listing. The ones on the scales are bogus and corresponding 1-2-3 on positive side is bogus too, those aren't reason codes. It's awkward.
In the other thread where it gave that really shady high achievers have 6 cards, I did feedback that as well as the fact we only get two reason codes for FICO 8... my contact agreed with me so it'll be raised with the product team so maybe we'll see a change in the next iteration of the product which they're working on today. Baby wins heh.
@Revelate wrote:
@Thomas_Thumb wrote:Actually, VantageScore 3.0 provides positive reason codes. It's part of their core principles. Their positive codes start with a "P". Helps differentiate them from Fico - and yes Fico only has a list of codes that relate to adverse action. Thus, no "official" list of positive actors such as a long payment history. Here is a list of VS3 positive codes.
Thanks senor for correcting me on VS3; with your godlike file have those ever come up on your VS3 pulls? Not sure if you have a place which gives Vantage reason codes, I get some from Alliant but to date even with a laudable VS 3 (EX 803) it's still 4 negative reason codes. Good find, much appreciated!
Yes - I signed up for a trial TU monitoring service back in late 2015 and received a 3B report and other stuff such as insurance scores as part of the package.
Pasted below are the positive reason statements [received a few negatives as well but, why air dirty laundry].
OK - for the sake of knowledge, here are the negative reason statements from the report.
P.S. VantageScores at the time:
@Anonymous wrote:
@Revelate wrote:Probably because it was known. Check here or any of the other credit sites, it doesn't come up often as it's assumed to be universally understood.
I think "universally understood" is a gross exaggeration on your part. Maybe for 5+ year myFICO members. I've been a member for a year and have not read about this, so I'm sure there are far more members that have been here an even shorter amount of time that aren't aware of it either. My point is that it clearly isn't universally understood. I'm not saying you're wrong in your statements regarding negatives vs positive reason codes, but I think you should consider reevaluating your delivery on topics that may come as obvious or second nature to you and not necessarily to everyone else.
*shrug* I admitted above that it was failure of the board, and you know what they say about assumptions. Also I would suggest you also re-evaluate your delivery in this thread; I'll admit I'm not at my best as I have a bout of tonsillitis that was driving a feriocious headache and I apologize for coming off more heavy-handed than was warranted or intended, but there's blame to go around here.