@Thomas_Thumb wrote:
All as expected. My mortgage was still reporting as open. However, I had no other installment loans.
The "lack of recent installment loan information" is present because this particular metric excludes mortgages..
So is that metric costing you points? I mean, the presence of a negative reason code means it's adversely impacting score... is that a Fico 9 thing? To me that suggests credit mix isn't being satisfied... does that mean you have no other non-mortgage installment loans (closed included) on your CR?
@Anonymous wrote:
@Thomas_Thumb wrote:
All as expected. My mortgage was still reporting as open. However, I had no other installment loans.
The "lack of recent installment loan information" is present because this particular metric excludes mortgages..
So is that metric costing you points? I mean, the presence of a negative reason code means it's adversely impacting score... is that a Fico 9 thing? To me that suggests credit mix isn't being satisfied... does that mean you have no other non-mortgage installment loans (closed included) on your CR?
@Anonymous My credit mix has always been Very Good, never Excellent/Exceptional. According to Fico representatives, the front end software accuractly reflects the Fico scoring algorithm's assessment of various profile metrics. Certainly my profile is not optimized with respect to credit mix and it is leaving some points on the table for that metric. The situation is not specific to Fico 9.
As you know, mix is a minor contributor to score. I never had an issue holding 850 on Fico 8 or Fico 9 with a VG mix. My recent point drops (Fico 8 and Fico 9) are undoubetedly due to a rise in revolving utilization above a critical threshold.
My open card accounts (1 charge card, 4 credit cards and 1 AU credit card) have remained constant since 2014. No changes in any CLs since 2017. All accounts are listed in each report and all are being used. However, the # of revolving accounts LISTED ON THE 3B SUMMARY has dropped from (EQ=6, TU=6, EX=6 in 4/2018) to (EQ=6, TU=5, EX=5 in 4/2020) to (EQ=5, TU=4, EX=5 in 10/2020). See below pastes (top to bottom 4/2018, 4/2020, 10/2020):
For reference, # of accounts with balances (4/2018, 4/2020, 10/2020 top to bottom):
Why the drop in # of Revolving Accounts as shown in the summary? All accounts being reported and are in active use. Furthermore, the # of accounts showing balances has increased.
I suspect the front end software was updated this year to no longer include the AU card in the count total for any of the CRAs. In addition, I suspect the charge card (which is an open account with 1 month terms as opposed to a revolving account) is now not included in the TU count. Alternatively, my AMEX charge card is not included on any CRA with the AU card being excluded from count on TU only.
I would appreciate input from others that get 3B reports on whether or not their AMEX charge card and/or AU credit cards are included in the "Revolving Accounts" number and/or "Accounts With Balance" number.
My credit mix has always been Very Good, never Excellent/Exceptional. According to Fico representatives, the front end software accuractly reflects the Fico scoring algorithm's assessment of various profile metrics. Certainly my profile is not optimized with respect to credit mix and it is leaving some points on the table for that metric. The situation is not specific to Fico 9................
I would appreciate input from others that get 3B reports on whether or not their AMEX charge card and/or AU credit cards are included in the "Revolving Accounts" number and/or "Accounts With Balance" number.
I find it perplexing indeed that you're not "Exceptional" in Credit Mix. Despite my various FICO inadequacies my "credit mix" has consistently been "Exceptional" since I added my first reindeer games loan. And it stayed at "Exceptional" even during the periods in which I had no open installment loan, demonstrating that even a closed account is factored into that metric.
Racking my brain, the only thing I can think of that I have -- that you do not have -- is a personal line of credit. So if you ever get one of those, see if it changes your "Credit Mix" 
I did have a store card for a matter of weeks, and another card -- Care Credit -- which seems to be scored as a store card, for around a year. Perhaps those have something to do with it.
I have never had an AU card, and have never in recent times had a personal Amex charge card, so can't respond to that question.
@Thomas_Thumb wrote:@SouthJamaica - I suspect a PL or PLOC could boost my rating to excellent but, no plans for one in the forseeable future. I believe you have closed SSL and Auto loans on your file as well as the PLOC. I don't have any of those either.
Yes but I feel certain that your mortgage covered that area just fine. I was "Exceptional" in credit mix before I got my auto loan. I touched the last base when I got my SSL.
FYI - open and closed loans count toward mix equally even though they affect score differently.
Yes I've come to the same conclusion.
Back in 2015 I surmized that there might be some overall count minimum (open + closed) as well as having multiple types of credit to reach Excellent/Exceptional mix status. There was a thread on this - Inverse may have started it. We never zeroed in on exact requirements. Link to thread pasted below (too bad some external links in that thread are broken/gone).
I doubt it because I went from Very Good to Exceptional when I got my $500 Alliant SSL.
... I am still puzzled by the reported drop in total revolving accounts in 2020 even though I have the same # of cards and no change in any card status...
On that I have nothing to contribute