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Equifax late payment info on MYFICO report

Established Member

Equifax late payment info on MYFICO report

Under my FICO 8 score factors,  it says "Your most recent missed payment happened 2 months ago".  But when I go through my accounts, no missed payments.

 

It just shows on Equifax, so I called them,  they show no missing payments.  I'm stumped.  Don't even know how to dispute because according to them there is nothing to dispute.

 

Anyone had this happened?  

Message 1 of 4
3 REPLIES
Regular Contributor

Re: Equifax late payment info on MYFICO report

I'm having the same issue with my report.  I just started a post about it the other day.  On my report it seems like they are going by the 'Date Major Delinquency First Reported' as you can see from the picture below it updated to November 2018.  Seems like they are counting it as a late payment.  I filed bankruptcy in April 2017 and I haven't been late on any of my accounts since then but for some reason they are saying I was late in November 2018.  I don't understand how this happened because this account was paid in March 2017.  I disputed it with the company and I'm waiting for a response now.  You seem to be having the same issue.  Maybe you need to look at your report on the Equifax website to see when the last update to your accounts was. 

 

I'm not sure if its affecting my credit score or not because I haven't check it recently but I'm sure it went down because of it.

 

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Filed Chapter 7 on 4/4/17 Discharged on 7/20/17
Scores after Discharged: EX 567, EQ 580, and TU 559
Current scores: EX 656, EQ 663, and TU 665

Cards in my wallet: Merrick Bank $750.00 First Premier $825.00 Credit One $700.00 Kohls $700.00 Victoria Secret $500.00 NY & Company $500.00 Williams Sonoma store card $1000.00 PayPal Credit $1500.00

Patiently waiting for my inquiry count to decrease so I can get rid of these subprime cards...After 2 years of rebuilding & paying unnecessary fees it is definitely time for an upgrade

Credit Goals: Obtain a 700 or better by April 2019 (2 years after bk)
Be mortgage ready by the end of 2019 (Homeownership is in my sight)

Message 2 of 4
Established Member

Re: Equifax late payment info on MYFICO report

Interesting... I guess I will pull a report straight from Equifax.  The weird thing is i called and spoke to someone in person and they could not find anything.  

 

I may call again and get another person to look.

 

Thanks!

Message 3 of 4
Regular Contributor

Re: Equifax late payment info on MYFICO report

Yeah, that may be because it is not showing as a late under the payment history.  It's just counting that date as a late payment.  I could be wrong but I don't see nothing else on my report that could account for a late payment.  I hope you get it straighten out.  Keep us updated.

Filed Chapter 7 on 4/4/17 Discharged on 7/20/17
Scores after Discharged: EX 567, EQ 580, and TU 559
Current scores: EX 656, EQ 663, and TU 665

Cards in my wallet: Merrick Bank $750.00 First Premier $825.00 Credit One $700.00 Kohls $700.00 Victoria Secret $500.00 NY & Company $500.00 Williams Sonoma store card $1000.00 PayPal Credit $1500.00

Patiently waiting for my inquiry count to decrease so I can get rid of these subprime cards...After 2 years of rebuilding & paying unnecessary fees it is definitely time for an upgrade

Credit Goals: Obtain a 700 or better by April 2019 (2 years after bk)
Be mortgage ready by the end of 2019 (Homeownership is in my sight)

Message 4 of 4