So when I started my credit rebuilding journey in earnest 6 months ago I saw that I had late payments with my old student loan lender from 2013 / 2014. And they were the bad kind. It was a 90 day and a 120 day late (preceded, of course, by a 30 and 60). On Experian, these were listed under only 1 account, though at that time I had 12 accounts with that lender as student loans tend to be before you consolidate. On TransUnion, those lates were on all 12, meaning it's showing 48 late payments, 24 of which are the serious variety (90 and 120). I don't know from where these late payments came. I remember that time in my life very well (it was the year before I got married) and I would've remembered not paying a loan for 4 plus months. Fortunately, when I looked into what happened, it was an honest to goodness mistake by the lenders. At that time, I was consolidating my loans with another lender the way the payoff occurred left very small sums of money owed on each loan (7 cents on one, 42 cents on another, etc.) The lender is fixing its side. I got news yesterday that they've been removed from Experian. I am eagerly awaiting that the same has happened with Transunion. (Equifax has no record of these.) One downer is that the removal from Experian, at this time, has only led to a 1 point FICO increase (from 679-680) (according to the Experian site, which I pay for monthly along with MyFico). I have read on these forums that 90 and 120 lates affect your credit score for the whole 7 years, that those types of lates never get better with age. Could it be that my Experian score is not reflecting the change yet? Given that there are so, so many more of these on Transunion, would you all expect a substantial increase there upon removal? I will say that Equifax has no record of the late pays and that sits at 701 FICO 8, for whatever that DP means, but to be fair, Equifax never had the lates affect the score, so it's not a fair comparison.
