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TC question; scorecard?


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Hi all!

Up until about 2 weeks ago, my TC scores were: 727; 670; 625. Now my Exp. score is 638 and my "too many late payments" warning has reappeared in the explanation section.

But I haven't had a late payment in over a year! In fact this happened at about the same time as the late pay was a year old. Did I change score cards? Why did only affect my Exp score?

Thanks in advance...

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