Moderator Emeritus
Posts: 10,854
Registered: ‎12-30-2011
Inconsistent report verbiage

From a 01/01/13 pull of Transunion via myFico:

 

Under "What's helping your FICO score"

 

1) There is no evidence of a serious delinquency (60 days past due or greater) or derogatory description on your credit report. 

 

Followed by in the box:

 

- Number of your accounts that were ever 60 days late or worse: 1 account 

 

 

 

The late payment is legit, so it's likely something in your report generation code that's gone a little wonky; or it's being looked at by age and mine is >2 years ago.  In either event more clarity or consistency would be a good thing I suspect.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


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