Additional reason codes in smartphone app that don't make sense

[Anonymous]

So the reason codes in the smartphone app for all three bureaus don't match what I see on the website via a desktop browser.  The reasons in the browser are absolutely what I'd expect to see, specifically "heavy use of available revolving credit", etc.... I'm hovering around 50% and working on fixing that, all the other pieces of the pie are exceptional and I have mature thick files (I think?).  Browser reasons also match reasons I see in the various score reporting sections of the websites for my credit card accounts (that offer it).

The app is acting strangely though, EQ shows no reason codes at all, TU shows a mix off different UTL related codes than the browser but also a "consumer finance accounts" that I wouldn't expect, and EX shows the expected UTL stuff with a "Short account history".

I know what consumer finance accounts are vaguely.  I doubt I have anything like that, but wondering what the community's take is.  Here is what I have:

• Kubota Credit - 7 year installment loan, like a car loan.  Shows as loan type "Other".  High balance, $28,214, now $18,187.
• 9 major credit cards, various Chase, Citi, BofA, Discover, Amex.  Only two of note in this context are BJs (Comenity), but it is the actual Mastercard, not a store card, and my Sears card from Citi.  Sears card started life in 1995 as a store card but they switched it over to a Mastercard probably 20 years ago.  Shows as "Sears/Cbna".
• 1 au credit card from cohabitating spouse, BofA, 16k limit, 0 balance, trying to decrease my UTL
• Mortgage from 2004, nothing out of the ordinary.
• Credit union car loan, closed 2014, another credit union car loan closed 2012, both show as "vehicle loan"

So if the "consumer finance accounts" code is valid, I'd expect it would be the Kubota, the Sears mastercard or the BJ's Comenity mastercard.  Is it likely one of these?  If it's Kubota it's a far cry from a sleazy furniture store loan, starting out at $28k.  I thought it would look more like a car loan.

Second, about the "short account history", my newest account is the Kubota, but that was opened Oct 18.  Newest revolver is BJ's Comenity, in Jul 18.  Both obviously over 2 years old.  I have a couple revolvers opened 2014 and the rest date back to either 2004 or the mid/late 1990's.  None of that seems like it would cause this code.  The AU was something I added very late calendar year 2020, but its reported opening date is 2014.  Is there anything in here that could explain "short account history"?

Or are these extra codes I'm seeing only in the app bogus?  Why would there be no codes for EQ?  If app's not bogus why don't I see them via a browser?

Experience with myFICO subscription this time around seems kind of buggy?

[dragontears]

The CFA code is triggered by a loan not a revolving account so most likely the Kubota loan (unless you have other closed loans). A CFA doesn't have to be a "sleezy" loan, people with 0% auto loans have had them trigger the CFA code.

What are your scores? MyFICO quits providing reason codes once your score is 800 or above. 

[Anonymous]

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@dragontears wrote:

The CFA code is triggered by a loan not a revolving account so most likely the Kubota loan (unless you have other closed loans). A CFA doesn't have to be a "sleezy" loan, people with 0% auto loans have had them trigger the CFA code.

What are your scores? MyFICO quits providing reason codes once your score is 800 or above. 

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My guess is the Kubota loan as well.

[Anonymous]

dragontears, sorry, I definitely didn't mean to imply all CFA's are sleazy, just to compare ones that are to my Kubota loan - I remember my stepdad when I was a kid taking out a loan at a furniture store for a chair that was $300 or something.  Something like that IMO did show financial stress in that case at least and I can see why they'd take that into account.

Scores are in the 760's across all three so that doesn't account for why EQ doesn't show reasons in the app but does in the browser.  That's interesting through, I'll remember that codes stop showing up over 800.

So the Kubota loan showing up as "other" probably is the CFA, but:

1. Why are there no codes on EQ in the app but there are in the browser?

2. Why is there "short account history" on EX in the app but not in the browser?

3. Why don't the app and the browser match?

One more interesting point - the reason codes showing in the browser match what I see in the websites of my credit cards that offer scores of various types.  Including BofA and Citi that claim to show an actual FICO score.  The whole thing strikes me as very flaky.

[Anonymous]

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@Anonymous wrote:

dragontears, sorry, I definitely didn't mean to imply all CFA's are sleazy, just to compare ones that are to my Kubota loan - I remember my stepdad when I was a kid taking out a loan at a furniture store for a chair that was $300 or something.  Something like that IMO did show financial stress in that case at least and I can see why they'd take that into account.

Scores are in the 760's across all three so that doesn't account for why EQ doesn't show reasons in the app but does in the browser.  That's interesting through, I'll remember that codes stop showing up over 800.

So the Kubota loan showing up as "other" probably is the CFA, but:

1. Why are there no codes on EQ in the app but there are in the browser?

2. Why is there "short account history" on EX in the app but not in the browser?

3. Why don't the app and the browser match?

One more interesting point - the reason codes showing in the browser match what I see in the websites of my credit cards that offer scores of various types.  Including BofA and Citi that claim to show an actual FICO score.  The whole thing strikes me as very flaky.

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@Anonymous couple things, if there's nothing else on your file it is the Kabota, as the members above said. 

there are two places you can view the codes, probably in different orders via browser. You should see the same codes listed in the same order as one of those in the app. If not, you need to call customer service because you got an issue. also check to see if they match the second place you can view it with a browser.

are you viewing the same 3B from the browser & the app?

short credit history is typically triggered by average age of accounts. There are multiple thresholds and it will appear until you're past the last one. You will likely be above 800 before you see it gone and then you can't see it leave, lol. There's also a code for average and or oldest Revolving Account.