https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/TNB/m-p/455118#M53662 <P>I am currently working on a few GW letters to help clean up our credit reports. I noticed that on my husbands EQ report Target National Bank is showing that he has only had one 120+ late payment while on his EX it shows that he's had 30, 60, 90, 150, CO and then the last one is an ok. How can that be?</P><P>&nbsp;</P><P>P.S. I am new to the boards but spend a lot of my day trying to learn how to understand everything.</P> Mon, 09 Mar 2009 19:45:43 GMT Anonymous 2009-03-09T19:45:43Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/TNB/m-p/455118#M53662 <P>I am currently working on a few GW letters to help clean up our credit reports. I noticed that on my husbands EQ report Target National Bank is showing that he has only had one 120+ late payment while on his EX it shows that he's had 30, 60, 90, 150, CO and then the last one is an ok. How can that be?</P><P>&nbsp;</P><P>P.S. I am new to the boards but spend a lot of my day trying to learn how to understand everything.</P> Mon, 09 Mar 2009 19:45:43 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/TNB/m-p/455118#M53662 Anonymous 2009-03-09T19:45:43Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/TNB/m-p/455159#M53667 Sometimes the lates are misreported in your favor. You certainly wouldn't want to fight it for your husband, otherwise his scores will drop. So as long as the TL was CO'd at some point, it is reporting alright. Mon, 09 Mar 2009 20:28:23 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/TNB/m-p/455159#M53667 llecs 2009-03-09T20:28:23Z