Why is my fico 9 tanking?

[Anonymous]

6.5 year old student loan lates 90 day

[Anonymous]

@AnonymousWell at least you’re only half a year away from those lates disappearing. I would like to know when they do fall off if that reduces the disparity and is the cause or not.

It could be version 9 is just more punitive with delinquency, you are in a dirty scorecard. And the scorecard dictates the weighting of the scoring metrics.

I wish I could tell you more, like I said version 9 views loan modifications negatively where prior versions did not. It also ignores paid collections. I wish I knew what else to tell you.

[Anonymous]

The lates are not why, they have been there this whole time, it has to be something to do with closing the cards it did throw me under 25k available credit but I really doubt that that is a threshhold that will eat points, I did have tiny balances report on 3/6 that may be it at least for this month