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Unfortunately, lenders don't explain the downside of a loan mod. Because the payments were less than the original contract amount, even if paying that less amount on time, they'll add a late. There should have been a 30 day late, then a 60, 90, then the 120 followed by 120s though the point the modification ended, but it looks like they just reported 13 of them. This happens with most all mortgage lenders and happens with many auto lenders after deferring payments. Same can also apply to any CCs you have a payment plan with.
Where did you pull your Equifax FICO from? I ask because a grading system isn't on myFICO.
Your TU scores is a FAKO called a VantageScore. It's the range you pointed out. For most, their Vantage is higher than their FICO, though for some of us it is lower. Vantage scores items that FICO does not and vice-versa. Only a tiny rare number of lenders use Vantage.
The lates are damaging, though if your 765 is a FICO score, then it isn't factoring in the lates. Look for a dispute comment in the comment section of that reporting tradeline. If it's under dispute, FICO ignores those lates. FICO reads the worst delinquency which should be the late. It largely ignores the past 120s and looks for the more recent and scores off that one. It can hurt through the full 7 years it'll report. In terms of repair, you can send Wells Fargo a goodwill letter asking them for goodwill in deleting the reported lates. That's an option, but I would put a little more time between the letter and the late. They might not be as receptive being so recent.
