Comparing TU/Ef/Eq and the FICO scoring is weird as they are all different but the most striking is Ex/Eq:
Eq=657. 11 Years 3 Good Accounts Recent Paid Collection 7 Year old Cap1 CO
Ex=662 Same But 18 Years 2 Open Collections (from 6 years ago but recent payments re-aged I guess) Additional Paid Recent Collection 2 Bally COs (6 years) Additional 7 YO CC CO Recent Judgement (from 6year old debt, that's when it all went bad)
So Experian has all the same info PLUS 6 'baddies' BUT 18 vs 11 year history and is 5 points *higher*
Still hoping to get on parents AU with it's 35 year old history to bump scores up, based on this it looks like it could make a huge difference.
TU kind of a weird mix of the two, still within 5 points or so.
I dont understand your math. Sure, utilization + payment history together account for 65% of total FICO score, but each are based on both individual cards and combined. A bad history, either in terms of payment baddies or high utilization, on a sinngle card does not account for 65% of total score. As for length of credit, it is based on both average and oldest, so the oldest card wont account by itself for 15% of total FICO.