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Experian CR

Established Contributor

Experian CR

On my CR it states that one of the reasons hurting my fico score were missed payments or derogatory comments.  I have not missed any payments, I may have not paid on the due date, but it was always paid.  How does the FICO scoring system determine if the payment was missed or just late?  Does it factor in that the payment was made? Or just assumes that since the payment was not made on the due date that it was not paid?
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2 REPLIES
Senior Contributor

Re: Experian CR

If you were not 30 days late, I would dispute. However before jumping to a missed payment you should look under "STATUS" to read the comment. That will determine next action.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
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Established Contributor

Re: Experian CR

Thanks
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