@Anonymous wrote:
Same here southie. My TU is 40 plus points higher than my EQ. my AAOA is lower on my EQ. EX and TU are identical except TU is 20 plus points higher than EX. All files are clean too.
Yeah, that is very similar.
The CRAs do customize the Fico scoring models. That is true for all Fico models. However, the customization allowed is much more restrictive with Fico 9. One area of known customization is QTY and/or % of cards reporting balances. Some CRAs view multiple cards reporting as a risk factor needing more emphasis while others de-emphasize this factor and place more emphasis in other areas such as utilization. See below pastes from a Fico presentation.
