CREDIT REPORT SHOWING MISSED PAYMENT

Anonymous · ‎11-06-2007

For the past few months my fico and identity guard credit report shows that I recently missed a payment. I have never missed a payment since my bankruptcy 2 yrs ago. On Identity Guard report it does show a payment status date of 10/2007 for HSBC and FPCU and date last reported 10/2007. Could this look as if i'm missing payments.

CreditBob · ‎11-06-2007

Dispute any inaccurate trade lines on your report.

jackg · ‎11-07-2007

I have the exact same thing happening to me with a GEMB/Sam's Club acct. that was IIB in Aug. 2006. Every month they report account status and for some reason FICO interprets it as a "missed payment". Although there are no "lates" being reported I must be taking a hit to my FICO score. It's making me crazy, I have disputed twice with no changes.

FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739