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

Take the FICO Fitness Challenge