HSBC said they report monthly whether a payment is on time or late, and experian is responsible for rating the account as positive or negative based on how many times I paid late and how many days late I was.
I'm saying I've been ontime for heaven knows how long, how much longer until this account shows as positive.
I also think it had something to do with the repo fees that were rolled into the loan. That balance showed up every month, they said I didn't have to pay on it until the end but it still showed up. I'll have to look into this further and call them back or get experian involved.