Is the Credit Score Personalized?

[JMShel]

Re: Credit Score Displayed on Credit Card Account Page

Two of the three reasons listed as "Hurting" my credit score are bogus.  I have the credit reports from all three bureaus and can see nothing in them that would support those two down-ticks.  Is this display really using my credit report information or is it a hook to get me to call Experian/VantageScore and pay for a credit score?

[DSTEXAS]

JM,

They appear to be a very general explanation of what may be hurting your credit score.  Unless you have the highest score possible, then there is always something hurting your scores.