1 Account over 60 days, but I can't find it.

[Anonymous]

On my power report (Equifax). "Understanding my Score" states that I have 1 account with a 60+ days past due delinquency.  But when I check the actual acounts, one claims my worst delinquency is 30 days, the other says I'm clean. I don't show any accounts claiming I made a payment over 30 days past due, let alone 60. 

Other than two 30 day missed payments, this would be the only blemish in 9 years; I would love to get rid it.  I don't know where to begin to dispute this, since I can't find the claim to dispute!

Any suggestions of how to track this puppy down would be most appreciated :/

[Anonymous]

Just to clarify:

The Accounts page lists 2 accounts that have Paid Late flags, the details of such are as follows:

Acc 1:

Seven year payment history 

30 days late 0 times

60 days late 0 times

90+ days late 0 times

Worst Delinquency

None Reported

Account 1, I don't even remeber having, but I called them, its real.  It hasn't been used, according to this, for almost 6 years. I would place it at 8 years.

Acc 2:

Seven year payment history

30 days late 2 times (Nov 2008, Apr 2008)

60 days late 0 times

90+ days late 0 times

Recent payment history 

Legend: Currently paid as agreed   30 days late

Worst Delinquency

30 days past due

 And that is the entire history of Account 2 less 1 month, so it isn't that one.

I'm guessing the error exists in Account 1, but it isn't explicitly stated where I can point at it and say "That's wrong, fix it"

[Junejer]

Hello efos, and welcome to the forums. Please read Credit Scoring 101, if you haven't already.

Are these the only two accounts that you have on your CR?

[Anonymous]

Thank you, and thanks for that link.

No, I've got some car loans and another ancient credit card on there, but they aren't flagged as having missed payments.  The 7 year histories and worst discrepencies all look like Account 1.

[Junejer]

Have you pulled your full reports from annualcreditreport.com? i would do that, if I were you. This will show the history and you will be able to pinpoint where the baddie is.

[Anonymous]

I have apparently already pulled my Equifax and Experian report for the year (7 months ago); but my TN does not show anything.  I would have thought I'd saved them, but I can't find 'em.

I guess I wasn't sure if my equifax report would say anything more than my score power report said about it.  I guess I'll come off of the $10 or whatever they want for it. 

Thanks!