EQ FICO breakdown

[BungalowMo]

Ok...so I have this on my EQ report in the "understanding your fico" section...

679

• Hurting your score
• 1. Serious delinquency
• 2. Bad payment history

Is it me....or is this redundant????  Both talk about my late payments.  Um...DUH, no kidding!

Is it that they have to find something to tip that scale to the LEFT???

[JoeBJay20]

Not completely redundant, you can have a bad payment history without ever having a serious delinquency. 

[BungalowMo]

#1 talks about being 60 or more days past due & #2 says "missed payments"