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Understanding Discrepencies

New Visitor

Understanding Discrepencies

I've got one bureau showing a drastically different score than the other two (40 points), on myfico it is showing that with that particular bureau only I have a late payment as recent as 2 months ago.  However, I don't believe this late payment exists and after just pulling my report from all three bureaus, the reports confirm no late payments.  Can someone please tell me why myFICO would show a late payment that doesn't exist and if that could be affecting the score i'm being shown?

 

thank you!

Message 1 of 5
4 REPLIES
Senior Contributor

Re: Understanding Discrepencies

Have you obtained a hard copy credit report from the bureau in question that you believe is incorrectly presenting that late payment to verify that it isn't there?

Message 2 of 5
New Visitor

Re: Understanding Discrepencies

yup.  it is not there. 

Message 3 of 5
Highlighted
Senior Contributor

Re: Understanding Discrepencies

Do you have any other [legit] late payments outside of this questionable one you posted about?

Message 4 of 5
Frequent Contributor

Re: Understanding Discrepencies


frohikchic wrote:

I've got one bureau showing a drastically different score than the other two (40 points), on myfico it is showing that with that particular bureau only I have a late payment as recent as 2 months ago.  However, I don't believe this late payment exists and after just pulling my report from all three bureaus, the reports confirm no late payments.  Can someone please tell me why myFICO would show a late payment that doesn't exist and if that could be affecting the score i'm being shown?

 

thank you!


Would the bureau by any chance be Transunion?

Message 5 of 5