topic Re: Equifax late payment error in Rebuilding Your Credit

Equifax late payment error

Anonymous — Tue, 07 Jul 2020 01:29:53 GMT

I just had my credit reports updated on the myFICO app and within the insights section, Equifax has my most recent late payment listed as one month ago which is impossible. At the time, I only had one credit card and I paid it over 20 days early (yes, my payment met the minimum payment needed). Anyone else have experience with this?

Also, what's the place you can order a credit report for a dollar?

Re: Equifax late payment error

Anonymous — Tue, 07 Jul 2020 12:38:59 GMT

@Anonymous wrote:
I just had my credit reports updated on the myFICO app and within the insights section, Equifax has my most recent late payment listed as one month ago which is impossible. At the time, I only had one credit card and I paid it over 20 days early (yes, my payment met the minimum payment needed). Anyone else have experience with this?

Also, what's the place you can order a credit report for a dollar?

Do you have a CA, CO, or some other derog account reporting/updating monthly? 1 of 3 of my CRs show that my most recent late was 0 month because of some account(s) updating on my report monthly, but only 1 bureau (TU, I believe) counts it as a new late every month. EX and EQ show my "actual" last late payment as 2yr 8mo ago as of 5/17/2020. Which would be more accurate. Only TU gives me the code for recent missed payment.

5/17/20204/17/20202/28/2020

This are 3 of my 3B pulls from this year, my stats are now a tiny bit better lol, but still shows 0 mo for TU every 3B pull for recent late payment while each passing month puts me further from my last late payment on EX and EQ.

Re: Equifax late payment error

Anonymous — Tue, 07 Jul 2020 19:18:29 GMT

I also had an incorrect random late payment show up on Experian. My bank said it was a result of their switching systems, and that the best way for me to deal with it would be to dispute it through Experian and they'd correct it.

Re: Equifax late payment error

Anonymous — Fri, 10 Jul 2020 01:54:13 GMT

It's quite possible that when Equifax reported that it was paid, that the timer reset. Idk. I have zero collections as of June. The only issue I have is that I can't find what account was "late" on my report. On the myFICO app, I'm going off the insights section for payment history.

Re: Equifax late payment error

Dmessina666 — Wed, 22 Jul 2020 15:56:03 GMT

I have the SAME EXACT ISSUE with Equifax. My last late, officially, is 2 years and 6 months. Equifax likes to show 1 month. I have no late payments on any of my current open accounts.

I have 3 charge-offs that have not updated either that are all 4 1/2 years old and PIF.

I DONT KNOW WHAT TO DO.

Re: Equifax late payment error

FireMedic1 — Wed, 22 Jul 2020 22:31:58 GMT

Welcome to the world of Equisux. If you have previous credit reports that show the true late date. Send them in and dispute it. If they wont budge. Then file a complaint with the CFPB with the old and new reports and the fluctuations EQ is showing.