https://ficoforums.myfico.com/t5/General-Credit-Topics/Late-payments/m-p/5248407#M260947 Myfico is showing late payments that are not on my credit report which lower my scores which makes the myfico inaccurate<BR />Why is this? Mon, 14 May 2018 23:08:46 GMT Anonymous 2018-05-14T23:08:46Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Late-payments/m-p/5248407#M260947 Myfico is showing late payments that are not on my credit report which lower my scores which makes the myfico inaccurate<BR />Why is this? Mon, 14 May 2018 23:08:46 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Late-payments/m-p/5248407#M260947 Anonymous 2018-05-14T23:08:46Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Late-payments/m-p/5248506#M260950 <P>If the late payments are lowering your credit scores, they <EM>are</EM> on your credit report.&nbsp; MyFICO provides you with scores based on your official credit reports, not on the reports that MF shows you as a CMS.&nbsp; While this information is identical 99% of the time, there can be inconsistencies between what a CMS shows you and what your actual real hard-copy reports show you.&nbsp; If your score is being held back by late payments, they are present on your real credit reports.&nbsp; Your best bet would be to obtain copies of them to see for yourself what exactly is on there.</P> Tue, 15 May 2018 01:26:31 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Late-payments/m-p/5248506#M260950 Anonymous 2018-05-15T01:26:31Z