The credit bureaus definitely monitor what the other two are saying about debtors. Trying to decipher why they make decisions is like trying to figure out the cost of a specific airline seat on any given day. There is an algorithm for that. We’ve never seen it and the people who wrote it are all dead so good luck with that.

Keep your score as high as you can get it. Don’t try to micro manage your score. Above 750 and you are facing diminishing returns on your efforts. Everyone can get credit. It’s just about the interest rate you can get from lenders.