@apehar24 wrote:Ok, so you know when you pull your report and it has those little boxes that go back 2 years or more...for each month there's that OK or if you're unfortunate to have a late payment. Do lenders see that as well or do they just see everything else? I'm only asking because the Experian dispute guy told me they don't see that, only I do.
Which?
The little OK statement on each month? nah, no lender is going to care or have time to look for that. That is presumed; you are supposed to be paying on time, and so that just goes in the quick scan.
This, however, they most definitely see, and it causes FICO score drops and alarms underwriters, because it is an indication the borrower may not pay according to terms.
