https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Experian-CR/m-p/51131#M8337 <DIV>On my CR it states that one of the reasons hurting my fico score were missed payments or derogatory comments.&nbsp; I have not missed any payments, I may have not paid on the due date, but it was always paid.&nbsp; How does the FICO scoring system determine if the payment was missed or just late?&nbsp; Does it factor in that the payment was made? Or just assumes that since the payment was not made on the due date that it was not paid?</DIV> Fri, 17 Aug 2007 01:51:03 GMT Anonymous 2007-08-17T01:51:03Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Experian-CR/m-p/51131#M8337 <DIV>On my CR it states that one of the reasons hurting my fico score were missed payments or derogatory comments.&nbsp; I have not missed any payments, I may have not paid on the due date, but it was always paid.&nbsp; How does the FICO scoring system determine if the payment was missed or just late?&nbsp; Does it factor in that the payment was made? Or just assumes that since the payment was not made on the due date that it was not paid?</DIV> Fri, 17 Aug 2007 01:51:03 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Experian-CR/m-p/51131#M8337 Anonymous 2007-08-17T01:51:03Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Experian-CR/m-p/51145#M8340 If you were not 30 days late, I would dispute. However before jumping to a missed payment you should look under "STATUS" to read the comment. That will determine next action. Fri, 17 Aug 2007 02:28:29 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Experian-CR/m-p/51145#M8340 Anonymous 2007-08-17T02:28:29Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Experian-CR/m-p/51179#M8344 <DIV>Thanks</DIV> Fri, 17 Aug 2007 03:44:52 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Experian-CR/m-p/51179#M8344 Anonymous 2007-08-17T03:44:52Z