Data points for FICO 8 and 9 with reasoning codes.

[Anonymous]

This is just for data points...

Experian Fico 8   score 682 

      -  public record or collection

      - Short credit history

      -   recent missed payment

Experian Fico 9   score 706

       -   Serious delinquency (greather than 60 days)

       -  Short credit history

       - remaining balances on my loans too high

      -   too many revolving credit accounts with balances

Transunion Fico 8 score 697

       - public record or collection

       - remaining balance on loans too high

       - recent missed payment

Transunion Fic 9 score 712

       -  serious deliquency greater than 60 days

       -  not an established enough revolving credit history

       -  short credit hisory

      -   remaining balance on loans too high

Equifax fico 8 score 709

      - serious deliquency greater than 60 days

      - remaining balance on loans too high

     -   recent missed payment

Equifax Fico 9 score 739

      - serious delinquency greater than 60 days

     -  remaining loan balance too high

     - too many revolving accounts with balances

    -   short credit history

Interesting that the short credit history isn't on all the bureaus or models. 

[Anonymous]

Even more interesting that recent delinquency is not on version 9 anywhere.

Also interesting that short credit history is higher than recently delinquency on EX8.

[Anonymous]

May I ask how recent that recent delinquency is? Did it ever show on version 9 that you’re aware of?

[Anonymous]

I never paid too close attention to the reason codes for Fico 9, unfortunately.

The lates were the same from the other thread I had.   2 90 day late Student loan Feb 2015 (5 yrs this month) and 2 90 day late student loans April 2020 (2 years this April).

My cable collection has always been the top reason for Experian 8 that I know for sure. 

I did 3 months ago have credit seeking as a reason but that's fallen off completely.

[Revelate]

Short history exists on every single FICO model ever released up through FICO 9.

The problem is FICO 8 Classic reason codes are unreliable at best except from the TU credit score change updates here.  CMS's suck for FICO 8, FICO went and dumbed down the consumer interface and it is terrible for those of us that want a more detailed picture.  Short account history is one of the ones they supress apparently as being "not useful."

I thought Amex had native codes for the first two but they changed to pushing some Vantage 3.0 model which sucks =/.