@Anonymous welcome to the forums. It against the terms of service here to start more than one thread on the same topic because it can cause confusion, so I've merged your two threads. As you can see, this is a very active forum so any questions you have are sure to be answered by the helpful community members.
I completely agree that listing information on the accounts you have along with any negative information that appears on your Experian, Equifax, and TransUnion credit reports will certainly help us to help you understand why you are being scored the way you are. Also, it is important to note that FICO does not report any information. FICO uses information in reports by the three major credit bureaus I just mentioned to calculate various risk scores based on your data vs other consumers. As @Anonymous pointed out, the exact formulas for how credit scores are calculated is not publicly available, but due to extensive research and many data points, the community here is well-educated on the factors that make up those scores and ways to improve them.
The FICO algorithms are private, protected intellectual property of the FICO company.
One does not simply calculate their own FICO score.
There is one situation I'm aware of that could cause your score to be weird, but I'm pretty sure you've already rules yourself out of that.
So, start listing everything on your credit report for us. We don't need account numbers of course, but pretty much everything else... Name (can be anonimized, just be consistent), type, age of account, current balance, limit (or original balance, for loans), how many late payments (30, 60, 90, etc) of each kind. Include liens, closed, derogatory, and collection accounts.
There are plenty of people here who have seen enough of other people's scores and data and have tested changes against their own scores. They know their stuff.
One does not simply calculate their own FICO score.
There is one situation I'm aware of that could cause your score to be weird, but I'm pretty sure you've already rules yourself out of that.
So, start listing everything on your credit report for us. We don't need account numbers of course, but pretty much everything else... Name (can be anonimized, just be consistent), type, age of account, current balance, limit (or original balance, for loans), how many late payments (30, 60, 90, etc) of each kind. Include liens, closed, derogatory, and collection accounts.
There are plenty of people here who have seen enough of other people's scores and data and have tested changes against their own scores. They know their stuff.
