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FICO report showing false derog information

New Member

FICO report showing false derog information

 I'll be brief. I've noticed the information on my FICO reports, specifically a old account is not what is being reflected on my actual Credit report. FICO shows a 90 Late payment In "older derogatory events" section for both Equifax and Experian from July 2015. However, the account was closed and Paid (not a charge off) in Jan 2013. Both CB do not reflect this information.


It's also showing a 90 day late payment for April, May, June, July 2018 for an account that was paid in March 2018. The Credit reports show no late payments, but do show a "High Balance" for those months, however reflect a "Zero" balance for total due.




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