Reply
New Member
ballajl15
Posts: 5
Registered: ‎10-08-2012
0

30 day late payments not showing

Due to a medical emergency in November 2011 I was 30 days late for 8 consecutive months in paying my car lease. I always paid on time, but was just a month behind up until August which was when I paid everything current. According to myfico score, it does not show my late payments. Does anyone know why?

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: 30 day late payments not showing

Either the creditor forgot to report the lates or they decided to delete the lates after a time. In any case, definitely don't remind them.

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: 30 day late payments not showing

+1000  Let it go, and be nice  to whoever you have your loan through!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Member
ballajl15
Posts: 5
Registered: ‎10-08-2012
0

Re: 30 day late payments not showing

Thanks for the info! Before getting the myfico score I was using score sense, and the late payments were reported with their service. They had them dating back from Nov until August, which is correct. Any reason why this site does not show them?

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: 30 day late payments not showing

Could it be showing on one report and not the other(s)? For example, myFICO offers EQ and TU. You can get all 3 elsewhere. Maybe it was showing on EX and not one of the other two (based on whichever you pulled here)?

New Member
ballajl15
Posts: 5
Registered: ‎10-08-2012
0

Re: 30 day late payments not showing

It was showing on all 3 from score sense. And the funny thing was that EQ was the only one that didnt show the account as current. It was only updated through July, and I made the account current in August. Weird...


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}