topic late payment on score watch, but no flag? in Understanding FICO® Scoring http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/late-payment-on-score-watch-but-no-flag/m-p/1631016#M66697 <p>I have 2 30 day lates, 1 60 day late, and 1 90 day late listed on an account from 2009 for citifinancial. There is no flag by the account on score watch. I recently sent a good will letter to citifinancial and they just responded saying they would remove them. There was a 36 month good payment history prior and the loan was paid off early. I'm wondering why there isn't a red flag next to the account. Wouldn't the lates be affecting my score? I'm 17 points shy of the 640 I need to buy a home. Waiting for 3 things to update on my credit report and hoping I'll get the boost I need.</p> Mon, 08 Oct 2012 11:31:52 GMT Yanzi2002 2012-10-08T11:31:52Z late payment on score watch, but no flag? http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/late-payment-on-score-watch-but-no-flag/m-p/1631016#M66697 <p>I have 2 30 day lates, 1 60 day late, and 1 90 day late listed on an account from 2009 for citifinancial. There is no flag by the account on score watch. I recently sent a good will letter to citifinancial and they just responded saying they would remove them. There was a 36 month good payment history prior and the loan was paid off early. I'm wondering why there isn't a red flag next to the account. Wouldn't the lates be affecting my score? I'm 17 points shy of the 640 I need to buy a home. Waiting for 3 things to update on my credit report and hoping I'll get the boost I need.</p> Mon, 08 Oct 2012 11:31:52 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/late-payment-on-score-watch-but-no-flag/m-p/1631016#M66697 Yanzi2002 2012-10-08T11:31:52Z Re: late payment on score watch, but no flag? http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/late-payment-on-score-watch-but-no-flag/m-p/1631418#M66706 <p>Look closely. Is there a dispute comment showing? (often added by some OCs after receiving a GW).</p><p> </p><p> </p> Mon, 08 Oct 2012 17:22:49 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/late-payment-on-score-watch-but-no-flag/m-p/1631418#M66706 llecs 2012-10-08T17:22:49Z