Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
Re: FICO score dropped from 720 to 650 as a result of just 2 late AE payments……

+1 on the goodwill letter.

 

Apologize profusely and tell them how much you've enjoyed membership's privileges over the last 15 years.

 

Perfect credit is hit much harder by a late payment. I'm convinced the scoring model assumes it would take a catastrophe for someone (with perfect history) to break their streak.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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