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I just pulled my fico numbers (through MyFico & direct from Experian) & all 3 free credit reports. The fico numbers from both myFico & Experian drill down & show I have late payments within the last 2 month. TransUnion shows 8 months since my last late payment. My credit reports don't show ANY late payments in the last few years. What gives? How do I figure out & fix this?
Experian quote:
if the payment history profile does not show reported derogs, then there is no inaccuracy in your credit file.
Rather, the inaccuracy is in the comments that were added by the software that produced your commercial credit report.
The remedy is not a dispute, which relates only to information in your credit file. There is no reported info for any furnisher to investigate.
I would contact the CRA and request clarification of how/why the comments were added.