Although I hate Experian on several levels, does this page not address your calculation issues? https://www.experian.com/blogs/ask-experian/infographic-what-ar

Although I hate Experian on several levels, does this page not address your calculation issues? https://www.experian.com/blogs/ask-experian/infographic-what-are-the-different-scoring-ranges/ https://www.experian.com/blogs/ask-experian/infographic-what... If you want actual points, here’s a great graphic that shows the point values of many different attributes: https://www.doughroller.net/credit/a-rare-glimpse-inside-the-fico-credit-score-formula/ https://www.doughroller.net/credit/a-rare-glimpse-inside-the...