Understanding FICO® Scoring

[localuser]

Mods I am not sure if this is the right place please move if needed

Time Since Negative

It has been 0.3 Years since the last time negative information was listed on one of your accounts.

The problem is I have not been negative on any account since Jan 2011 ( Today freecreditreport.com have a sale for the other FAKO scores for 31.95 from TU and EQ)

In the last month I have also purchased these from Equifax and the TU from here.  They all show the exact same info.

Can I please get some help with this?

[llecs]

That comment is found within the pos/neg things helping or hurting your FICO. Look through each of your accounts found within the Accounts page. Look for any charge-off/collection account, or any closed account, that has a reported or status date of 0.3 years ago (3-4 months ago?). Some baddies still update monthly with added lates.

[localuser]

On Experian Macys stopped reporting Jun 2012.  Its still reporting OK on TU and EQ.    Its just does not seem right since there are OK's all of 2012 and 2011.  

[localuser]

Hate to bump this but I would really like to know if this is correct or should I contact the CRA's or other options