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I am in the process of trying to re-fiance my house. I have a HELOC account through B of A. When I pulled my credit report, all 3 reporting agencies show "paid on time" for July, August and October of 2017. However when US Bank pulled my credit they show those months as no payment having been made, but months before as extra payments being made. Any ideas on how to get this worked out? Are banks not looking at the same report I am? Thanks in advance.