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Recent Payment History vs Seven Year History

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Anonymous
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Recent Payment History vs Seven Year History

Would this make my credit score go down?  If you look at the information below it shows I was 30 days past due but in the recent payment history is says 60 days past due in red.  Does the recent history in red and the seven year payment history match and would this effect my score more heavily if it says two different things?  If anything it should be 30 days.

Date opened [?]

 

 

 

July, 2004

Date of last activity [?] Jul, 2006 Date of last payment [?] May, 2006 Account number [?] XXXXXXXXXXXXX0001 Account type [?] Auto Loan Credit limit [?] Not Reported Terms [?] 72 Months Credit Type [?] Installment Account holder [?] Joint Account
Descriptions [?]
  • Dispute resolved - consumer disagrees

No contact information provided by Experian

Balance [?] Current Status [?] Past Due Amount [?] Not on Record OK/was past due Not on Record Seven year payment history [?]
 
 30 days late 1 time (May 2006) 60 days late 0 times 90+ days late 0 times
 
 Recent payment history [?] OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK60 Days LateOKOK8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 2004 2005 2006 Legend: Current paidCurrently paid as agreed 60 days late60 days late
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Recent Payment History vs Seven Year History

baddies hurt less as time passes. try sending a GW letter.
Message 2 of 4
Anonymous
Not applicable

Re: Recent Payment History vs Seven Year History

The graph on EX does not display correct on myfico reports.

Will this effect you score? Yes

The effect of the late will be less as time goes by. If this is a legit late I would send a GW letter instead of Dispute.

Ex seems to either only update from data from the OC or delete the TL in these circumstances.
Message 3 of 4
Anonymous
Not applicable

Re: Recent Payment History vs Seven Year History

I guess what I am asking is, is the credit bureau seeing this late as a 30 or 60 day late or both?
Message 4 of 4
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