Other Fico scores Mortgage, Auto and CC pts?

[AzCreditGuy]

As my Fico 8 score are trending up and I notice certain items harming my scores on the Experian site. 

Mortgage 

742 Fico 2 

Harming my score:
 High Credit Usage
 Short Account History
 Accounts With Balances
 Many New Accounts

Auto (FYI I will never get a auto loan, never have never will)

726 Fico 2 

Harming my score:
 High Credit Usage
 Short Account History
 Accounts With Balances
 High Revolving Balances

752 Fico Auto 8

What's harming your score?
 Short Account History
 Consumer Finance Accounts (Wow never had this before only seems to be on there now that my score is higher?)
 High Credit Usage
 Short Loan History

Credit Card scores

743 Fico bankcard 2

What's harming your score?
High Credit Usage
Short Account History
Accounts With Balances
Many New Accounts (accounts just turned 1 year old) 

741 Fico 3 

What's harming your score?
Accounts With Balances
 New Account (? all my accounts are 1 year now)
 High Credit Usage
 Seeking Credit ( Had 1 SBA inq pulled 5 inq became unscoreable July)

774 Fico Bankcard 8 

What's harming your score?
Short Account History
Loan Balances
 High Credit Usage
Accounts With Balances

I cant wait till I pay down another $5k at the end of the month to see how my score react and what changes in the harming of my score? 

I am not happy seeing the word Consumer Finance Accounts on any of my reports but as long its on the Auto scores, I really dont care since I will not ever have a auto loan. 

[Trudy]

As you can probably tell or know EX2 scores don't like accounts will balances which is why AZEO is recommended for best MTG scores.  All 2 scores seem to respond the same way.  Reducing that should reduce UTL which may reduce High revolving balances.

Did you recently get a loan?  Certain lenders are coded as Consumer Finance but from what I've read it's impact is not substantial. Surprised it only shows up on one score.

[AzCreditGuy]

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@Trudy wrote:

As you can probably tell or know EX2 scores don't like accounts will balances which is why AZEO is recommended for best MTG scores.  All 2 scores seem to respond the same way.  Reducing that should reduce UTL which may reduce High revolving balances.

Did you recently get a loan?  Certain lenders are coded as Consumer Finance but from what I've read it's impact is not substantial. Surprised it only shows up on one score.

Sofi Personal loan is a year old it shows up on TU Fico 8 as a CFA but only as a reason for getting rejected for a CLI

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