topic Re: SUDDEN DROP DELINQUENCIES in Understanding FICO® Scoring

SUDDEN DROP DELINQUENCIES

catman60 — Tue, 03 Jun 2008 19:38:14 GMT

HELP! My FICO scores dropped significantly in the last couple of weeks. Especially TransUnion. MYFICO says that I have had a past due account within the last 2 months. I knew this wasn't true and pulled bureaus from everywhere. NOT 1 late account. No 30/60 or 90. NADA. Even the MyFico 3 in one report shows no deliquencies. Where the heck is this coming from and how do I correct? It seems to be a FICO issue. Am I wrong??

Re: SUDDEN DROP DELINQUENCIES

Anonymous — Tue, 03 Jun 2008 22:15:05 GMT

I've seen this same "phantom late" issue pop up in multiple threads. I'm going to PM one of the admins and see what he knows about it.

Re: SUDDEN DROP DELINQUENCIES

catman60 — Wed, 04 Jun 2008 13:33:57 GMT

That would be greatly appreciated!

Re: SUDDEN DROP DELINQUENCIES

Anonymous — Wed, 04 Jun 2008 13:47:40 GMT

The free score that my WAMU card gives me shows that I have a couple of baddies on TU, but my actual TU report shows nothing. Beats me!

Re: SUDDEN DROP DELINQUENCIES

Anonymous — Sat, 14 Jun 2008 01:19:49 GMT

Hi New World man, did you ever hear from the admins...?

I am one of the many folks with the "phantom lates" which later turned into actual month/2 month etc lates when I have non.

I am still waiting for myfico tech's to contact me....but i am getting close to giving up on them, seems they don't care..hope you had better luck

Re: SUDDEN DROP DELINQUENCIES

mrlimo — Sat, 14 Jun 2008 03:08:34 GMT

The last 2 months on my updates it has given me that my score is being affected by "You have missed payments on your credit accounts." last month I was like "WHAT THE!!!!!" so pulling all kinds of reports later. No missed, nothing recent anyways. My last 30 day and ony late was 10/2004. So even if it is the reason for the notice. it happened almost 4 years ago on a minor derog what can that be hurting my score by now 10-20 points?