On My TU report under "Understanding your Score", one of the reasons listed as hurting my score is "Recent Missed Payment". It explains that "You recently missed a payment or had a derogatory indicator reported on your credit report." I have absolutely NO missed payments in years. I went thru my entire report to be sure that no account was being reported with late payments. The only thing that recently happened was a CA updated their DOLA to May 2012 because I PIF. Can this seriously count as a recent derog?? It's not being reported as a recent derog on my EQ...
