jdeezy wrote:Myfico gets its reports from the CRA"S , is that correct OR does creditors report to myfico also? I don't think that is the case, But here is my dilema...................... I have one 30 day late being reported to Ex. If I pull my Ex file directly from them, the information is being reported correctly. (I called Ex to verify that it was correct also)...............On my Ex report that I pull from myfico, the information is incorrect. The tradeline states that the account has been 30 day's late one time in the 7 yr reporting section, but in the 81 month payment history it has a red box with 60 days late instead of 30 days.Is that mistake affecting my fico score?