topic Re: Figuring out where the lates are coming from in Understanding FICO® Scoring

Figuring out where the lates are coming from

dynamicvb — Tue, 24 Jul 2018 14:34:26 GMT

On my myfico 3b reports, I have where it shows that I have 3 accounts on EX with 30 days late and 3 with 60 days lates. When I look at the accounts none of the 60 day lates show up under the payment history. I just can't seem to figure out which accounts these are and myFico does not tell you which accounts just the count.

I thought of going to annual credit report and getting scores there, but if it won't show me what is causing this issue, then I hate to burn my last free one for the year.

Any advise on how to figure this out?

Re: Figuring out where the lates are coming from

Anonymous — Tue, 24 Jul 2018 14:56:10 GMT

Do you use any free CMS software? Something like CK? While CK won't let you see EX, you'll get your TU/EQ reports updated weekly. More often than not, the negatives seen on one bureau's report will be present on the other two. I'm not a MF member so I have no idea what their CMS software provides or what you can/can't see. Ultimately what you're going to want to do is request a free copy of your real (hard copy) credit report and go through that account by account.

Re: Figuring out where the lates are coming from

AndySoCal — Wed, 25 Jul 2018 01:55:57 GMT

The payment history depending on who provided the credit can be for less than 7 years. The 30, 60 90 late counters are for 7 years. Simple go to annualcreditreport.com and pull you Experian credit report from there and that should help answer or answer the question.