Reply
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

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?
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

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
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

Re: Experian CR

Thanks
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.