https://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Fico-Credit-Report-Confusion/m-p/72137#M1215 So over the past year there has been a mistake on my credit reports. a "120 day late payment" for one of my accounts. After submitting various letters and proof it was corrected by TU and EX. However, it was not corrected by EQ until I recently received a letter stating such. On a letter I received yesterday, dated from last week, 9/18, it stated that they research my account in question and found: "this account is currently reported paid as agreed, with no late payments." In the attached report it all seemed fix. Again, this letter was directly from Equifax.<BR /><BR />Now my issue is even though this correction was made per the letter and verified in the accompanying report-copy they sent me, the issue has not been corrected in the equifax reports I pulled today using my creditsecure account as well as using the FICO SCORE MONITOR product from this website!<BR /><BR />Can someone tell me how or why this is possible? If equifax fixed this - why is it not being updated on these "refreshed"/new reports?<BR /><BR />Thanks in advance for the help and advice. Wed, 26 Sep 2007 01:59:26 GMT Anonymous 2007-09-26T01:59:26Z https://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Fico-Credit-Report-Confusion/m-p/72137#M1215 So over the past year there has been a mistake on my credit reports. a "120 day late payment" for one of my accounts. After submitting various letters and proof it was corrected by TU and EX. However, it was not corrected by EQ until I recently received a letter stating such. On a letter I received yesterday, dated from last week, 9/18, it stated that they research my account in question and found: "this account is currently reported paid as agreed, with no late payments." In the attached report it all seemed fix. Again, this letter was directly from Equifax.<BR /><BR />Now my issue is even though this correction was made per the letter and verified in the accompanying report-copy they sent me, the issue has not been corrected in the equifax reports I pulled today using my creditsecure account as well as using the FICO SCORE MONITOR product from this website!<BR /><BR />Can someone tell me how or why this is possible? If equifax fixed this - why is it not being updated on these "refreshed"/new reports?<BR /><BR />Thanks in advance for the help and advice. Wed, 26 Sep 2007 01:59:26 GMT https://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Fico-Credit-Report-Confusion/m-p/72137#M1215 Anonymous 2007-09-26T01:59:26Z https://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Fico-Credit-Report-Confusion/m-p/88413#M1401 <DIV>I've noticed sometimes what appears to be "ghost information" that appears on MyFico reports, but nowhere else. It's possible there's a coded entry which one or both entities (FI and the CRA) isn't correctly displaying and/or interpreting.</DIV> Mon, 29 Oct 2007 22:05:13 GMT https://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Fico-Credit-Report-Confusion/m-p/88413#M1401 Anonymous 2007-10-29T22:05:13Z