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I have a Ch. 7 BK discharged March '08. Since then as far as I know everything is perfect, payment history wise.
Today I pulled my TU report and under the "what's helping" section is says "your most recent late payment happened 2 years ago." There are no late payments in the history that I can see. At least none on this side of March '08. That would put my late payment in '10 or '11 wouldn't it? Any help is appreciated, thanks.
In my (albeit limited) experience, those messages are generic and sometimes wrong.