Late Payment

[Anonymous]

My fico purchase indicates that I have a missed payment 10 months ago, but I don't.  If this is the case my FICO score is incorrect!! Please explain!!

[fused]

Hi and Welcome! I would dispute this late payment with the credit bureaus as never paid late. Also, I would highly recommend you read Tuscani's credit scoring 101 thread below.

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

[Anonymous]

That is the problem.  I haven't had a late payment on my accounts in more than 3 years.  Yet it states I have a recent late payment.  The Late payments are not listed on my credit file!