Hi
I have some late payments I am disputing with a local bank (payments were incorrectly posted - they agree, fix and notify the big 3, and then within 3 months there they are again!)
My question though is this....the 7 year payment history for this line reads: 30 days late 4 times (May 2008, Jul 2006, Nov 2005). Isn't that 3 times, not 4?
My husband has a similar looking one that reads 30 days late 8 times...but has 5 dates next to it.
What am I missing? (BTW - account open < 7 years)
Of course this discrepancy between what appears on my report, and on my husbands, for the SAME joint account is another whole story!! How does THAT happen?
.....continuing to tear my hair out over the confusion that is FICO and credit reporting.........