Dear jamie123,

You made your strongest point and I agree. Still trying to figure out Fico scoring.

If anyone can explain to me and the reason for my posting today:

Botom line, 35 days ago, my report said that my credit history was great, today it was downgraded to very good. Today my report lists my 20 years, 5 months credit history as a negative, 35 days ago, my report  listed this credit history as a positive. (Please see prior posts on page 4)

The Moderator explained it.

How is this possible?