I have a student loan that myFICO has flagged as having a serious delinquency on equifax, yet there's no late payment or any other negative information on the account. The flag on myFICO says the delinquency was 3yrs 2mos ago.
Credit report is completely clean. It's only when creditors pull my credit score that they get a low score and a note that there is a serious delinquency.
Anyone knows what's going on?
Yes, I've checked my report 20 different ways, paper copy, annualcreditreport, equifax.com, etc I"ve talked to several equifax CSRs and all agree, there is nothing negative on the report, period.
Here is what myFICO shows:
You've recently been paying your bills on time.
Your most recent late payment happened3 Years, 2 Months ago
|Most FICO High Achievers [?], about 93%, have no missed payments at all. But of those who do have a missed payment, it happened nearly 4 years ago, on average.|
While you have missed payments in the past, you have recently been paying your bills on time, which has helped your FICO score. Staying current with your bills will continue to help your score.
Here is what the flagged account looks like:
No contact information provided by Equifax
|$0||Pays account as agreed|
|The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.|