The only thing I can think of is that Score Tracker may be
excluding authorized user accounts in its explanations.
Not exact matches
In an attempt to head off such piggybacking abuse, the FICO 8 credit score, launched in 2009, initially
excluded accounts held as an
authorized user from scoring.
A complicating factor in all this: The three major bureaus have created their own credit score — known as Vantage — which also
excludes consideration of
authorized user accounts.
A complicating factor in all this: The three major bureaus have created their own credit score - known as Vantage - that also
excludes consideration of
authorized user accounts.