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  1. From myFICO got alert that my score dropped and ordered new TU report to figure out why
  2. So I had an AMEX collection for only a few dollars. less than $10 that was charged off 5 years ago. I had to pay it off for a refi a few weeks ago Today my TU report is flooded with 120 day lates every month for the last three years. spent two hours on the phone with AMEX and they are telling me that somehow it's normal that it hasn't been reporting late for the last 5 years
  3. I had a really low charge off from AMEX. only a few dollars. had to pay it off to refinance a home. suddenly my TU is full of 120 day lates. Before that the last entry was back in 2015

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