Phantom late payment affecting experian vantage score 8

[ConfusedCreditee]

Other 2 bureaus my score is 800 plus with an exceptional payment score. There are no late pqyments in experian credit report. Yet the score for experian vantage score 8 is uncharacteristically low citing a 90 day late payment. Experian customer service cant understand my question thru disputes. Any thoughts to help at least get the underlying data ? I dont think i had any late payments over the years. Seems like an inaccurate report on me I can do nothing about.

[Patient957]

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@ConfusedCreditee wrote:

Any thoughts to help at least get the underlying data ?

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Two ways:

1)  https://www.annualcreditreport.com/

Provides free weekly detailed reports for all 3 bureaus.

2)  https://www.experian.com/

Sign up for a free account.  You get a daily updated credit report and FICO 8, both for free.

I would do both.

[ConfusedCreditee]

Thanks. Experian did send a credit report in mail and I have access to all that online. The issue is there are no late payments in the reports. Other bureaus dont factor late payments in their score either. 

[Patient957]

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@ConfusedCreditee wrote:

The issue is there are no late payments in the reports. . 

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Then there's nothing to dispute, which is why the Experian phone reps don't understand what you're trying to dispute.

Where are you getting the Vantage score from? 

Also there's no such thing as Vantage Score 8.  Do you mean Vantage Score 3? 

What's your Experian FICO 8?

[ConfusedCreditee]

Experian Fico score 8 was the model. It is approx 75-100 points lower than other bureaus. For experian fico 8 "key data points" it says: 1 late payment 30+ days. 1 late payment 60+ days. Time since most recent late payment is "unknown". No other bureaus have this. So Experian cant handle my question. What is this calculation factoring in ? There are no late payments in credit report as i am certain.

[Patient957]

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@ConfusedCreditee wrote:

Experian Fico score 8 was the model. It is approx 75-100 points lower than other bureaus. For experian fico 8 "key data points" it says: 1 late payment 30+ days. 1 late payment 60+ days. Time since most recent late payment is "unknown". No other bureaus have this. So Experian cant handle my question. What is this calculation factoring in ? There are no late payments in credit report as i am certain.

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Very weird.  Sounds like some sort of bug with Experian.

Perhaps consider purchasing a 1B Experian report from MyFico for $19.95 to see if the issue also affects your FICO 8 there or not. 

If the issue also affects your score on MF then there is probably a late payment lurking somewhere in the report.  If not, you can chalk it up to a bug with Experian's score calculation.

Hate that you would have to spend $20 to do it.  Maybe someone else has another idea.

[ConfusedCreditee]

Thanks. Yes . At this point I just would like the complete report that the algorithm works on. All 3 bureau reports have consistent exceptional payments on my open/closed accounts. Vantage score is 800 +, equifax fico score 8 id  800+ but experian fico score 8 is low citing only a "good" payment history but with 90 day late payment comment.

Does this 1B report have the full data ? I didnt see a report like that. Just the usual credit report. Dont mind upgrading report to solve.

[Patient957]

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@ConfusedCreditee wrote:

Does this 1B report have the full data ? I didnt see a report like that. Just the usual credit report. Dont mind upgrading report to solve.

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All these reports should have a full set of data, especially the one from https://www.annualcreditreport.com/.  That one should have every detail.  If it's not on that report, it shouldn't exist.  Which is why I'm thinking it's just some Experian bug in the scoring calculation.

The MF 1B report actually has less info on it.  But it gives you access to a set of FICO scores calculated directly by FICO, so you can count on it being correct. 

Usually you can count on Experian being correct too, though.

[GZG]

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@ConfusedCreditee wrote:

Thanks. Experian did send a credit report in mail and I have access to all that online. The issue is there are no late payments in the reports. Other bureaus dont factor late payments in their score either. 

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is there a collection or a charge off or something else "late payment" can also mean collection or chargeoff 

[Thomas_Thumb]

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@ConfusedCreditee wrote:

Other 2 bureaus my score is 800 plus with an exceptional payment score. There are no late pqyments in experian credit report. Yet the score for experian vantage score 8 is uncharacteristically low citing a 90 day late payment. Experian customer service cant understand my question thru disputes. Any thoughts to help at least get the underlying data ? I dont think i had any late payments over the years. Seems like an inaccurate report on me I can do nothing about.

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VantageScore looks at authorized user accounts same as primary. Could you be an AU on an account that has a late?

P.S. There is an Experian VantageScore 3.0 and an Experian Fico score 8. No such thing as a VantageScore 8.