The system does have flaws, but not for the reasons you indicate. For one thing, information supplied by the three CRA's varies to some degree. Even if they all report the exact same accounts, there are nuances within that reporting that may or may not be recognized by you or I. Thus, you will see variances in scores. For example, my oldest account is the same on EQ and EX, but not reported on TU. And yet, my AAOA is slightly different (about a month) between EQ and EX, despite both reports containing the exact same accounts. Turns out, this has nothing to do with which accounts are reported but everything to do with reporting dates. In other words, my accounts don't necessarily report to each CRA on the same date, which causes one of my accounts to be included in the previous month's data on one CRA and the current month's data on the other. Same accounts, different data, variance in score.
Right now you have two choices: 1) You can choose to stay in "poor me" mode and lament about the unfairness of it all, or 2) You can embrace the system and manipulate it accordingly to your advantage. I've gained ~100pts since the first of the year, and the biggest change I had to make is my attitude. I'm no longer playing the victim role when it comes to credit. Instead, I'm arming myself with all the information about how it all works and using it to improve my scores. As a single Black woman about to close on a house in about a month, I'm personally grateful that I even have the OPPORTUNITY to improve my creditworthiness in this system, as opposed to the old system where I never would've even been handed an application.
Once you learn the rules of this credit game, you can start scoring more points and have some hope to win. Good luck to you either way.
