poor payment history report

[mikey78]

I just ordered my Fico and 

my fico score shows equifax 620 Transunion 580 Experian 604 

However I am seeing that my payment history is showing poor . i'm looking at the report everything shows being charged off with BK

but under OLDER DEROGATORY EVENTS i am seeing 90 day late payment with 05/2018 under Experian  (see screen shot) 

Should I hire a credit repair specialist?

[Hockeypnc1]

Figure out the item and dispute it

[FireMedic1]

---

@mikey78 wrote:

I just ordered my Fico and 

my fico score shows equifax 620 Transunion 580 Experian 604 

However I am seeing that my payment history is showing poor . i'm looking at the report everything shows being charged off with BK

but under OLDER DEROGATORY EVENTS i am seeing 90 day late payment with 05/2018 under Experian  (see screen shot) 

Should I hire a credit repair specialist? NO!

---

Were you late before the filing on the card? If not dispute with EX. If so it will stay. And be thankful it didnt report to EQ/TU.

[pizza1]

If you were late on a account before you filed for BK, then your creditors can report that because that would be correct reporting. When did you file for BK? what month?

Creditors can't report anything negative on IIB accounts post file date.

[mikey78]

Was never late on any payments and if i was by chance to make a payment late.. i definitely didn't go past 90

i kept up all my payments until i filed my BK.