Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
Again, FICO doesn't store credit files. Only the Big Thre...
Again, FICO doesn't store credit files. Only the Big Three and the smaller ones. Lots of folks regularly report file splits and other lost credit history that ain't nearly as old as yours. I'm given to understand TU has a systems upgrade in the last few weeks, and a number of folks have been complaining about missing information--mostly missing good information.
 
While it is possible that within FICO's algorithms there are holes, that would not make information disappear off your credit reports. Names, addresses, consumer statements and the like appear on credit reports, yet have no effect on one's FICO scores.
 
As you would be aware, some lenders report to all, others to just two, and still others to just one bureau. Also, not every lender accurately reports to all the bureaus to whom they report.