Hey, thanks for that. That's interesting to see how the three differ in some ways.
@CreditBob wrote:Some of the risk codes are the same for all three credit bureaus. One of the differences that I know is that Experian uses reason code #6 (fianance companies). I have been able to figuare out how the codes pertain to my personal report. Theses codes are only a part of it. You alos have to eb able to break it down further. For example, how long is an acocunt still considered new? What does Experian consider to be a maxed out limit on a revolving account??
Neat thanks!
There's a bunch of anecdotal information on a maxxed tradeline, that's actually fairly easy to test but I haven't bothered to do so (I do know that 99.3% and 99.7% respectively are both considered max heh, seen conflicting reports between 80 and 90%).
New accounts is harder: it's a catch-all reason code anecdotally. A reasonable estimate would either be six months or a year but I've personally never seen anything official on that.
