I'm not going to get into equifax.com and how it is the most inaccurate thing ever. I'm going to focus solely on myfico.com. I have 6 pictures to show you, each from myfico.com. The first two are Equifax recommendations, the next two are TransUnion recommendations, and the last two are Experian recommendations.
Equifax 1:
https://photos.app.goo.gl/DRMLJREC4QvXiobC7Equifax 2:
https://photos.app.goo.gl/GkGGdY1j7LEFxdW69TransUnion 1:
https://photos.app.goo.gl/wCw2yQoV6NjGJ4Hv7TransUnion 2:
https://photos.app.goo.gl/dYcJE5fEWGQgy7ik7Experian 1:
https://photos.app.goo.gl/4d2Gy8cG2TbE8rvWAExperian 2:
https://photos.app.goo.gl/xCzzBLanuN9EX4hb6Look at Experian Picture #2 and then look at TransUnion Picture #2. This is FICO 8. Same report. Same date.
???
Meanwhile on Reddit, this guy says anything over 3 accounts reporting is a penalty.
(
https://www.reddit.com/r/churning/comments/c7u1uv/fico_8_reverse_engineered/?utm_source=amp&utm_...) Which falls in line with Equifax's recommendation.
On top of it all, experian.com, using the FICO 8 model, says I want all accounts reporting. They also say, according to FICO 8, that 6% or under is ideal utilization. Experian was literally telling me I'm an idiot for having my cards report at 7% and not 6% according to FICO 8, NOT vantage. Meanwhile, FICO themselves claim it's 7% or under.
TransUnion wants 4% or under, but this is credit compass which is vantage so who cares right?
