May have found what is dragging my score down...

[madmann26]

So I have been combing over each negative account on my CR. According to myfico.com, I had a late payment 6 months ago. So I started drilling down into each account and found that First Premier was reporting 90 day lates for each month for the most of 2012, 2011. Could this be it?

In contrast, when I look at the same account on EQ, it shows as CO for those same months? Here is a screenshot from myfico.com and EQ:

myfico.com

myfico.com report

EQ

EQ report

Thanks in advance,

[guiness56]

Go by the one from EQ.  The one from here is formatted differently.

However, the one from EQ still shows the account as opened.  It should be closed as there is no balance.

[madmann26]

Guiness,

When I look at the same account on myfico but looking at the TU report, it shows no 90-day lates at all.

Maybe I am on to something, maybe I'm not.