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A 29 point drop for two lates from more than three years ago is certainly plausible, irritating too. Depending on where you live, EX might or might not be heavily utilized. I live in Hawaii and EQ use to be the most utilized CRA but this is no longer true, EX reigns supreme.
ee wrote:
On 03/26/08 MyFico score for Experian was 645. I ran it today and it was 616. I compard the two reports side by side and the only difference I see was that Macys put 2 lates (30 days) back on from March 2004 that they had deleted 2 months ago. I will of course get that taken back off but would something being put back on there from 2004 cause a 29 point drop??And do any creditors really use Experian anyway? I know that for mortgages they run all three but I haven't noticed any creditors doing that.