@Anonymous wrote:I wrote a goodwill letter and successfully removed a 30, 60, and 90 day late from one of my credit lines. However, they also wiped out all record of my payments prior to 2018. This also removed 2 5+ year old 30 day lates. My fico8 score has gone up about 14 points on experian, I will see about the other two in a couple weeks. However, my fico2 score has gone down exactly the same amount - 14 points. Is this because of the lost payment history? Nothing else has changed on my reports.
The credit card in question is 8 years old, and shows the correct opening date. Just no information prior to 2018.
If the correct open date is there you didn't lose anything at all, payment history is effectively the absense of deliquent information. Unless the older algorithms calculated it very differently (which doesn't seem likely) losing the tradeline history should have been a non-event as it has for everyone else but FICO 2 isn't well tracked until recently to be fair.
Look at the reason codes associated in your FICO 2 score and see if they shifted from the prior iteration of your scores would be my first suggestion.
@Anonymous wrote:Sorry about this double post,
I just realized I think I misunderstood what "codes" are. If you're talking about the reasons my score is low listed in red, I lost "serious delinquincy". I have now gained "seeking credit" - my guess because I financed a car for my 16 year old in December, and opened a synchrony home card in August to buy a mattress. Otherwise I've had two soft pull CLI's.
If serious deliquency wasn't your #1 still you probably switched scorecards.
If you got your EX FICO 2 at all Experian does show the reasons, that one's FICO 8 but it's probably similar on your old one. Do you have any other 60D+ lates or collections / BK's still?
Anyway if you go to Reports and Scores and pick Scores / Additional Scores, under the mortgage tab there should be "What's Harming your Score" and the list of 4 (sometimes 3) red items there are your reason codes.