Did we ever establish whether you have any revolving credit cards reporting any balance? Those scores seem really low, for no derogatories.
Note (perhaps you already know this) that at least one credit card / revolving card reporting is necessary to help your basic FICO 8, likely basic FICO 9. It gives the scoring model something to work with.
@frencheeseNo open credit cards as of 4/4/18. Just one closed credit card.
I would say that you identified the probem right there. Perhaps FICO 09 gives a greater score hit to profiles without a single open revolver.
My EX FICO 9 won’t update until May 4th, but I’ll see what score it updates to after these CCs are added and let you know.