Thin file having higher score than thick file

[MrCreditInternational]

So I wanted to share my DP since I believe I have a unique setuation that might help with understanding FICO 8 scorecards.

I had two cards with BofA in 2016 that I canceled in 2017, all before I got my SSN.

In October 2018 I got my first credit card using my SSN that I got earlier in the year.

Long story short, got my fist FICO in April 2019 and EQ was higher than the others. After reviewing my reports, I found that my BofA cards from 2016 were reported to EQ only, so the AoOA and AAoA were higher than EX and TU, thus a higher score.

Today, I got the 3B report from EX and got the following scores: EX 720, TU 704, EQ 699.

TU score on other cards from last month was 720, so the decrease was due to all cards reporting 0 balance (I have HSBC cards not reporting to TU). Both EX and EQ have 1% util with only three cards reporting <1% each

AAoA: EX 7 months, EQ 10 months, TU 8 months (because HSBC isn't reporting)

AoOA: EX 1 year 1 month, EQ 3 years 5 months, TU 1 year 1 month

All accounts have an inq each from last month (total number in the last 24 months in signature), and I guess that I crossed the inq threshold, so it probably doesn't matter.

I'm really wondering why my EQ score is lower than the others (at least 21 points) as it has higher AoOA and AAoA while having less inq!

PS:

1- I checked if the old cards were reporting any negative data, and they're not. 

2- My report is clean AF

3- Yes I just called BofA (at 3am because I'm procrastinating) and asked them if they can report my old accounts to TU and EX, but they said no

[NRB525]

Congrats on the good scores. 
I think I've seen 20 point differences between FICO 8 scores, when I was monitoring them here. It could be from one bureau not being as jumpy as the others when new information turns up.  

The main thing is, you are making each payment on time, and so your scores on all bureaus will trend upward from here.  

[MrCreditInternational]

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@NRB525 wrote:

Congrats on the good scores. 
I think I've seen 20 point differences between FICO 8 scores, when I was monitoring them here. It could be from one bureau not being as jumpy as the others when new information turns up.  

The main thing is, you are making each payment on time, and so your scores on all bureaus will trend upward from here.  

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I'm not complaining at all for someone who started a year ago

I posted this thinking that this might be related to scorecards (maybe my EQ is on a thick file card while EX and TU are on a thin file card)

[Anonymous]

No you’ve got plenty of accounts, you don’t have a thin file anywhere.

[MrCreditInternational]

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@Anonymous wrote:
No you’ve got plenty of accounts, you don’t have a thin file anywhere.

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Ok maybe young, not thin

[Anonymous]

What’s the age of your oldest account?

[MrCreditInternational]

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@Anonymous wrote:
What’s the age of your oldest account?

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AoOA: EX 1 year 1 month, EQ 3 years 5 months, TU 1 year 1 month

[Anonymous]

Yes definitely young.

[SouthJamaica]

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@MrCreditInternational wrote:

So I wanted to share my DP since I believe I have a unique setuation that might help with understanding FICO 8 scorecards.

I had two cards with BofA in 2016 that I canceled in 2017, all before I got my SSN.

In October 2018 I got my first credit card using my SSN that I got earlier in the year.

Long story short, got my fist FICO in April 2019 and EQ was higher than the others. After reviewing my reports, I found that my BofA cards from 2016 were reported to EQ only, so the AoOA and AAoA were higher than EX and TU, thus a higher score.

Today, I got the 3B report from EX and got the following scores: EX 720, TU 704, EQ 699.

TU score on other cards from last month was 720, so the decrease was due to all cards reporting 0 balance (I have HSBC cards not reporting to TU). Both EX and EQ have 1% util with only three cards reporting <1% each

AAoA: EX 7 months, EQ 10 months, TU 8 months (because HSBC isn't reporting)

AoOA: EX 1 year 1 month, EQ 3 years 5 months, TU 1 year 1 month

All accounts have an inq each from last month (total number in the last 24 months in signature), and I guess that I crossed the inq threshold, so it probably doesn't matter.

I'm really wondering why my EQ score is lower than the others (at least 21 points) as it has higher AoOA and AAoA while having less inq!

PS:

1- I checked if the old cards were reporting any negative data, and they're not. 

2- My report is clean AF

3- Yes I just called BofA (at 3am because I'm procrastinating) and asked them if they can report my old accounts to TU and EX, but they said no

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I once had an experience with EQ where they dropped reporting on 5 closed accounts which had been closed for a year or less, while the other bureaus continued to report them.

I have no idea why EQ did that.

[Anonymous]

Keep in mind AoOA is a segmentation factor not a scoring factor. It is believed to have only one threshold. None of yours are high enough to cross even what is believed to be the low-end of that threshold.

So in another words, the age of your oldest account is not affecting the scores among the bureaus. You can rule that out. And I don’t believe awards for AAOA begin as young as yours either. So I doubt that’s what’s causing the discrepancy either.

We know your file is clean, young and thick. Do you have any open or closed loans on any of your reports?

You said all accounts were reporting zero at TU resulting in the no revolving balance penalty. But you said you have three accounts reporting a balance at EX and EQ. So I’m assuming those are all HSBC?

What is your age of youngest account at each bureau please?

Keep in mind EQ is sensitive to number of accounts with a balance whereas EX, not so much. That could be worth a few points difference, too.