SUDDEN DROP DELINQUENCIES

catman60 · ‎06-03-2008

HELP! My FICO scores dropped significantly in the last couple of weeks. Especially TransUnion. MYFICO says that I have had a past due account within the last 2 months. I knew this wasn't true and pulled bureaus from everywhere. NOT 1 late account. No 30/60 or 90. NADA. Even the MyFico 3 in one report shows no deliquencies. Where the heck is this coming from and how do I correct? It seems to be a FICO issue. Am I wrong??

Anonymous · ‎06-03-2008

I've seen this same "phantom late" issue pop up in multiple threads. I'm going to PM one of the admins and see what he knows about it.

catman60 · ‎06-04-2008

That would be greatly appreciated!

Anonymous · ‎06-04-2008

The free score that my WAMU card gives me shows that I have a couple of baddies on TU, but my actual TU report shows nothing. Beats me!

Anonymous · ‎06-13-2008

Hi New World man, did you ever hear from the admins...?

I am one of the many folks with the "phantom lates" which later turned into actual month/2 month etc lates when I have non.

I am still waiting for myfico tech's to contact me....but i am getting close to giving up on them, seems they don't care..hope you had better luck

mrlimo · ‎06-13-2008

The last 2 months on my updates it has given me that my score is being affected by "You have missed payments on your credit accounts." last month I was like "WHAT THE!!!!!" so pulling all kinds of reports later. No missed, nothing recent anyways. My last 30 day and ony late was 10/2004. So even if it is the reason for the notice. it happened almost 4 years ago on a minor derog what can that be hurting my score by now 10-20 points?