I guess I was an AU on a Chase card that randomly decided to start reporting this month that there were lates in Apr/May of this year. My FICO dropped 30 points. Thank heavens for ScoreWatch and Chase's credit bureau resolution department.  I called and they are removing me, but it could take 3-5 business days.  Trouble is, I'm due for a last credit pull for my mortgage in that same timeframe!  What are the odds that it would just suddenly show up like that? Really???