Late payment claim on current report - don't know why!

[NibblesTreats]

I just got a notification lowering my credit score by 16 points claiming I had a late payment. I have no idea what account they are claiming is past due because it doesn't show that. I haven't missed any payments so I'm pretty annoyed by this! I have been working so hard on rebuilding after BK. I have 1% utilization and everything is always paid on time, then this! 

Is there any way to see what account it is referring to? I pulled a new report for EQ - which is who lowered my score, but it only shows my accounts through February (No March data). I need to dispute this but I have no idea what account to dispute it form. 

Help?!

[DollyLama]

Very odd. So you have a subscription monthly or quarterly from myfico? When was your last report date prior to getting the alert? and then you pulled a 1B from myfico today on Equifax? 

If nothing is on there, I wouldn't know how to dispute (points?) since you state there is no account showing any deliquency to dispute. 

Is your utilization barely 1% that it could be construed as 0 on utilization. 

Have you pulled a your free annual credit report to check against that one. 

I honestly don't know how to advise a dispute against a derog that doesn't exist. 

[CreditInspired]

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@NibblesTreats wrote:

I just got a notification lowering my credit score by 16 points claiming I had a late payment. I have no idea what account they are claiming is past due because it doesn't show that. I haven't missed any payments so I'm pretty annoyed by this! I have been working so hard on rebuilding after BK. I have 1% utilization and everything is always paid on time, then this! 

Is there any way to see what account it is referring to? I pulled a new report for EQ - which is who lowered my score, but it only shows my accounts through February (No March data). I need to dispute this but I have no idea what account to dispute it form. 

Help?!

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Just some suggestions until you identify the culprit:

If you’re using autopay, check to ensure payments were actually posted to your CCs. 

Double check your bank acct to ensure payments made to CCs were actually debited from your checking acct. 

Check that no checks/payments were returned due to NSFs. 

Check that your checking account wasn’t overdrawn. 

If you do billpay, make sure you didn’t setup payment from a savings acct. 

GL2U