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Phantom "recent missed payment" on TU?

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wantitgone
Contributor

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 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
10 REPLIES 10
wantitgone
Contributor

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 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
Message 2 of 11
Anonymous
Not applicable

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
FireMedic1
Community Leader
Mega 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!


Message 4 of 11
wantitgone
Contributor

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 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
Message 5 of 11
FireMedic1
Community Leader
Mega 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?


Message 6 of 11
pizza1
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....

 

 

Message 7 of 11
wantitgone
Contributor

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 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
Message 8 of 11
FireMedic1
Community Leader
Mega 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?


Message 9 of 11
wantitgone
Contributor

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 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
Message 10 of 11
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