Reason code 39

[Anonymous]

I understand that a reason code 39 is serious delinquency's. I don't know what serious delinquency means? I have 1  30 day late in over a year, no public records or collections. I pay all other accounts as agreed

[fused]

Do you have "any" 90+ day lates in the last seven years?

[Anonymous]

This can be triggered if you are two payments past due (60 days) or you have two consecutive late payments.  Look at which account is flagged on your myfico reports and that will help you pin it down.

[Anonymous]

I don't have an account 60 days late, and I don't know how to find which account was flagged. How do I find it?

[Anonymous]

I don't have any accounts 90 days past due in my life.

[haulingthescoreup]

Look on the Accounts screen on your FICO report. This can be either screen 4 or 5, depending on whether you're looking at a SW report or a Suze report.

There will be a list of your accounts, both open and closed. If one has a flag next to it, that's the one that is reporting the reason code, accurately or otherwise. You might have to pull the full report directly from that credit bureau to find the whole story. (Save your money; don't buy a score when you do so!)

If there is absolutely nothing showing on that report, call myFICO customer service, and ask if they can figure it out from their end. TU FICO reports sometimes pop up with flags that don't really exist, and the score isn't affected; it just makes it look like it is.

[Anonymous]

I have a flagged account from Fitht Third Bank Credit Card for 30 days late on a $15.00 PMT In Aigust

I aslo have a flagged account for Bank of America Credit card in Aug of 2008 on a $15.00 Payment.

No other problems anywhere except because they kep lowering my limits my debt to credit limit sucks 

[Anonymous]

I checked and I have a 30 day late in Aug of this year that is flagged and a 30 day late in Aug of 2008 that is flagged, everthig elese is AA

[haulingthescoreup]

Did these actually happen? Because if so, a 2-month-old late is deadly for your scores.