my-own-fico,

I agree with you. Eqifax is the most conservative of the three agencies. I have been monitoring my credit since 2005 and I see a lot of strange things.

The above information I commented on about my CR, defies logic. These scoring models speak in generalities, they are just a computer algoritham which can't seem to read the whole picture of a individual's credit.

The real estate market is improving in my area and I want to sell my home soon. Want my credit to be the best it can be. My suggestion is to prepare a detailed letter for a future lender to explain the odd inconsistencies reported by the three credit bureaus. 

If anyone has information on a direct contact to Fico management, I would appreciate it. I will research on my own and if I have results, will report it here.