Constant Low Score ?? and mystery 30 days late?

[wallywonka]

Ok going to try to keep this short and sweet. 

I have USAA credit monitoring that is powered by Experian. For the longest I have played around with the credit scores estimator, which will let me see my score change under various scenarios. Long story short, the estimator shows I have 2 accounts with 30 days last and 6 with 30 days late. However, on my report I see none. If I estimate my score with those options I am easily in the high 600's, from my 515. 

How do i get this fixed. I previously thought these were my default student loans, but i went through the rehab program and got all these erased and my report is still saying that i have those on my credit report. Could this be closed accounts? Could a closed account report 30 or more days late and it affect the fico?

ALL and I say ALL of my open account are in good standing? Please help?

[pizzadude]

Any account with late payments will ding your FICO score, whether it is closed or open.

I'd recommend looking at your full experian report to see what is there.

[wallywonka]

So if an account is closed from years ago how do i get it to stop reporting 30 days late. 

All the closed account where settle many years ago 

[pizzadude]

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@wallywonka wrote:

So if an account is closed from years ago how do i get it to stop reporting 30 days late. 

All the closed account where settle many years ago 

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If the account was 30 days late then it will show late for that period of time.

Are you saying that it is showing as currently late? 

[wallywonka]

I reviewed all of my closed accounts and none of them are reporting currently. 

So it is frustrating.