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Phantom "recent missed payment" on TU?

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Valued Member

Phantom "recent missed payment" on TU?

Hi everyone.

So my BK was discharged in early July. All my reports are updated, my student loans are reporting again (newest scores in sig), but there's one issue I can't figure out to save my life.

 

Equifax and Experian all show most "recent missed payment" as 5 months ago, which would be in March when my BK was filed. TU shows 1 month... and I have no idea why. I've combed through my reports, including one from today, and there is nothing with a late payment recently anywhere. I don't understand why it doesn't say 5 months like the other reports and think that's what is holding my score down on TU because all the information is identical (except TU and EQ still count two old AUs I'm no longer on in my age of accounts (7yr11mo) while EX doesn't have them listed so my AAoA is 5yr10mo).

 

Any ideas of what I can do? Are they counting my bk discharge as the most recent late because otherwise I'm completely boggled right now and don't know if I can dispute this or not without an account to point at.

 

Also, TU wasn't showing my car loan as closed and IIB, so I disputed it... and it was updated, but then... well, the tradeline was removed from all 3 of my reports.

 

Anyway, I appreciate any insight you all can give me, if any. thanks!

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 10/01/19 ~~ EQ: 664, TU: 636, EX: 628
FICO 9 on 9/12/19 ~~ EQ: 641, TU: 642, EX: 634

Credit One $650, Indigo $300, NFCU nRewards Secured $300, Fingerhut Credit $1,000, Ollo Rewards Mastercard $1,600

EQ FICO 9 from NFCU on 10/04/19: 641
AAoA: EQ - 7yr9mo, TU - 7yr9mo, EX - 5yr8mo
10 REPLIES 10
Valued Member

Re: Phantom "recent missed payment" on TU?

Does anyone have any idea? Or is this just not the right place to ask?

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 10/01/19 ~~ EQ: 664, TU: 636, EX: 628
FICO 9 on 9/12/19 ~~ EQ: 641, TU: 642, EX: 634

Credit One $650, Indigo $300, NFCU nRewards Secured $300, Fingerhut Credit $1,000, Ollo Rewards Mastercard $1,600

EQ FICO 9 from NFCU on 10/04/19: 641
AAoA: EQ - 7yr9mo, TU - 7yr9mo, EX - 5yr8mo
Message 2 of 11
Established Member

Re: Phantom "recent missed payment" on TU?

Sometimes it takes the more knowledgeable people time to answer. They dont hover on the boards all the time.

I will say I ran into that same issue. I have a reaffirmed account that has never had a missed payment. I'm actually about a month ahead on them. TU did the same garbage.

TU has been a nightmare to deal with. They reject the disputes and generally seem to not want to correct anything. Even the company I have the loan through has tried updating it to reflect correctly.
Message 3 of 11
Super Contributor

Re: Phantom "recent missed payment" on TU?

First call the creditor and ask if they updated everything correctly. Tell them the situation. They dont want to risk going against BK laws. If they say its ok on their end. Then file a compliant with the CFPB and provide (upload) the documents that show your File Date and DC and a copy of the late that is showing up after you BK filing. That should take care of it. Good Luck!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 4 of 11
Valued Member

Re: Phantom "recent missed payment" on TU?

@FireMedic1

thanks, I would do that but the issue is there are zero accounts listing a missed payment except the accounts listed in the bankruptcy, none of which have a missed/late payment since the bankruptcy filing in March. The issue here is that TU is saying the most recent missed payment is 1 month, but nothing's been missed/late since March. I don't know how to dispute this because there is no account listing a wrong missed payment on TU, so not sure where they are getting the 1 month number from.

 

ETA: I didn't reaffirm my car loan and when I disputed the open status through TU, the tradeline disappearred from ALL 3 bureaus. So far it has not returned, so this 1 month issue isn't from the car.

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 10/01/19 ~~ EQ: 664, TU: 636, EX: 628
FICO 9 on 9/12/19 ~~ EQ: 641, TU: 642, EX: 634

Credit One $650, Indigo $300, NFCU nRewards Secured $300, Fingerhut Credit $1,000, Ollo Rewards Mastercard $1,600

EQ FICO 9 from NFCU on 10/04/19: 641
AAoA: EQ - 7yr9mo, TU - 7yr9mo, EX - 5yr8mo
Message 5 of 11
Super Contributor

Re: Phantom "recent missed payment" on TU?

OK. Let me ask you this. Where are you getting the info from? If your eligible. Pull your free annual reports. Go over them with a fine tooth comb. I have a feeling this is coming from a monitoring site possibly?





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 6 of 11
Community Leader
Super Contributor

Re: Phantom "recent missed payment" on TU?


@FireMedic1 wrote:

OK. Let me ask you this. Where are you getting the info from? If your eligible. Pull your free annual reports. Go over them with a fine tooth comb. I have a feeling this is coming from a monitoring site possibly?


THIS....

 

 


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 7 of 11
Valued Member

Re: Phantom "recent missed payment" on TU?

@FireMedic1

I am getting this info directly from MyFICO. I pulled my annual reports, there are no recent missed or late payments. This “1 month since most recent late payment” is here on MyFICO under my Fico8 score For trans union payment history. I would post a pic but can’t. I don’t really know how I can explain it further but it’s not another monitoring site. As in my original post, I said I just got my monthly credit report update through MyFICO as well as my annual credit reports and there are no recent late payments... I really appreciate the help tho.
FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 10/01/19 ~~ EQ: 664, TU: 636, EX: 628
FICO 9 on 9/12/19 ~~ EQ: 641, TU: 642, EX: 634

Credit One $650, Indigo $300, NFCU nRewards Secured $300, Fingerhut Credit $1,000, Ollo Rewards Mastercard $1,600

EQ FICO 9 from NFCU on 10/04/19: 641
AAoA: EQ - 7yr9mo, TU - 7yr9mo, EX - 5yr8mo
Message 8 of 11
Super Contributor

Re: Phantom "recent missed payment" on TU?

I just re-read the thread. Maybe on the next pull it might update with better results. If its still there. No negative info can be posted after a BK filing. It goes against the BK laws for creditors and CRA's. If it still exist. Print out the page and file a complaint with the CFPB and give a copy to your lawyer. They can sue and you eligible for a $1000 fine for the violation and attorney fees if they dont fix it. Sound good?





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 9 of 11
Valued Member

Re: Phantom "recent missed payment" on TU?

@FireMedic1

 

Yes, thank you! I will wait for the next credit report and then go from there based on what happens. Appreciate the assistance. Smiley Happy

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC'd 7/9/19
FICO 8 on 10/01/19 ~~ EQ: 664, TU: 636, EX: 628
FICO 9 on 9/12/19 ~~ EQ: 641, TU: 642, EX: 634

Credit One $650, Indigo $300, NFCU nRewards Secured $300, Fingerhut Credit $1,000, Ollo Rewards Mastercard $1,600

EQ FICO 9 from NFCU on 10/04/19: 641
AAoA: EQ - 7yr9mo, TU - 7yr9mo, EX - 5yr8mo
Message 10 of 11
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