PAYMENT DETAILS

[tonikay68]

Hello

I do not know if my question is related to this board. (a very confusing forum) I also don't know if my question is related to this My Fico Forum. My question is of upmost importance and I cannot find the answer Even in My FICO.. Credit Report  Nothing comes together in my research and figures .I have "Three" Credit Cards" I applied for these cards  to establish credit under my name now that I'm Divorce. My pyts each month equal $110. But my Credit Report shows my Monthly payment on these three cards is $144. a month. How can this be? And how did they come up with this amt? This is a $34 difference and I cannot find that $34 anywhere. Maybe there is something Im overlooking or I just don't know where to look. I have been attempting everyday to find this extra $34 and why my reports has it listed? It states my combined pyts on on three accts is $144!! 

Appreciate your support

[Revelate]

Payments are reported by lender: if you had a larger balance that was over the minimum, that might've skewed it.

It isn't a problem regardless, isn't really used for anything except for sanity checking DTI documentation to my knowledge, if that.

[tonikay68]

Very late in replying for this post. Forgot about checking my forum. Regarding your answer,  Does not make sense to me. If there is a $34 difference  (when I posted the question) that tells me the extra $34 is another payment made somewhere else. that I have no knowledge of. Maybe my exhusband who has my Identity and will forever have it. 

The End

[Revelate]

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@tonikay68 wrote:

Very late in replying for this post. Forgot about checking my forum. Regarding your answer,  Does not make sense to me. If there is a $34 difference  (when I posted the question) that tells me the extra $34 is another payment made somewhere else. that I have no knowledge of. Maybe my exhusband who has my Identity and will forever have it. 

The End

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I probably misinterpreted your post anyway TBH, mea culpa.

Where are you seeing the payments?  Check with the lenders directly to see what they have; the point I was trying to get if you're not losing that $34 / month (if it's just phantomly reported) then it's not a big deal as really it's only applicable to getting a mortgage underwritten.

If you're actually paying an additional $34/month and not sure why, then it's time to be talking to lenders and ask them what's up.  

Personally I'd pull my annualcreditreports and see if there was a disparity, there are typically payments reported there and that's the reference data instead of a presumably third party summation of it.