late payments

[Anonymous]

the fico website says i have 3 late payments on my equfax report but when i scroll to view the accounts i only see three. However, TU does reflect two. What should i do?

[llecs]

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fralich wrote:
the fico website says i have 3 late payments on my equfax report but when i scroll to view the accounts i only see three. However, TU does reflect two. What should i do?

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Each report won't exactly be alike. If you were late 3 times, then you could always offer a GW letter to the OC to see if they'd delete the lates. If you were only late twice, AND you can prove it with cancelled checks, etc., then I'd write a letter to that OC asking for details on those dates.

Also, TU tends to drop late more quickly than the others, in my experience anyway.

[BGMWPD320]

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@Anonymous wrote:
the fico website says i have 3 late payments on my equfax report but when i scroll to view the accounts i only see three. However, TU does reflect two. What should i do?

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So what is the problem if it says three and you see three?  I had one late and I was able to GW Chase and get it removed.  When I did that, I saw a bump of 60-70 points!

[Anonymous]

i'm sorry.. that was a typo. i meant to say say fico says 3 but i only see two red flags