I was playing around with the FICO app and noticed that Equifax wasn't showing any indicators for "what's hurting." I have a clean profile so I thought it might be fun to see how the bureaus gauge different things.
Equifax: No "what's hurting" section
Transunion: Consumer finance accounts, short revolving history, accounts with balances, loan balances
Experian : Short account history, Short revolving history, Loan balances, High credit usage
Based on this, it would appear that TU sees CFA as a negative and the other two don't. I also have 4-5 cards carrying balances <$100 and an amex revolver that is ~20%. Transunion specifically calls out "accounts with balances " as a negative indicator. Interestingly, that 19 point increase alert is from a Citi card reporting a $0 balance from $65.
High credit usage called out on Experian but its unclear to me what that means. I'm assuming it is the same as accounts with balances.
I'll play around with balances this month to see how those change. Is the order they're listed in ranked?
As for account histories, here are my DP.
Overall Utilization: $3408/$112600 3%
Open Loans: 1 Auto - $7226/$30000 24%
AoOA - 16 years 0 months
AAoA- 7 years, 8 months
AoMR- 1 year, 5 months (my new Delta Reserve is not reporting yet)
INQ - 0 (Delta Reserve SP approval)
All 3 CB are reporting same revolving: 29 total, 19 bank issued
TU, EX reporting 8 installment loans, EQ is reporting 10
0 late, 0 delinquent
For me personally I noticed my EQ lags a month sometimes two months behind the others but it is odd it doesn't state a reason/reasons
Yeah I had never noticed before. It's probably just a glitch in the matrix. 
@seattletravels wrote:I was playing around with the FICO app and noticed that Equifax wasn't showing any indicators for "what's hurting." I have a clean profile so I thought it might be fun to see how the bureaus gauge different things.
Equifax: No "what's hurting" section
Transunion: Consumer finance accounts, short revolving history, accounts with balances, loan balances
Experian : Short account history, Short revolving history, Loan balances, High credit usage
Based on this, it would appear that TU sees CFA as a negative and the other two don't. I also have 4-5 cards carrying balances <$100 and an amex revolver that is ~20%. Transunion specifically calls out "accounts with balances " as a negative indicator. Interestingly, that 19 point increase alert is from a Citi card reporting a $0 balance from $65.
High credit usage called out on Experian but its unclear to me what that means. I'm assuming it is the same as accounts with balances.
I'll play around with balances this month to see how those change. Is the order they're listed in ranked?
As for account histories, here are my DP.
Overall Utilization: $3408/$112600 3%
Open Loans: 1 Auto - $7226/$30000 24%
AoOA - 16 years 0 months
AAoA- 7 years, 8 months
AoMR- 1 year, 5 months (my new Delta Reserve is not reporting yet)
INQ - 0 (Delta Reserve SP approval)
All 3 CB are reporting same revolving: 29 total, 19 bank issued
TU, EX reporting 8 installment loans, EQ is reporting 10
0 late, 0 delinquent
Interesting. What's the CFA that TU is squawking about?
In between my mortgage payoff and auto loan a few years ago, I did a lending club not knowing any better. 
@Anonymous wrote:
Does lending club report on all three?
Negative reason codes for version 8 are terrible and once you get so high they don’t give you any.
Yep. It's on all 3. I dont think it's really much of an issue. Just interesting to see the difference the 3 call out as negative once you get all three in 800s.