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Equifax removed late payment? Too good to be true?

solcruz
Established Member

Equifax removed late payment? Too good to be true?

The late payment is from 2019, so too early for an early exclusion. 

 

I've not made any disputes that could've resulted in temporary removal of late payment.

 

I did sent multiple letters to creditor for GW late payment removal but have been denied multiple times and I stopped sending letters two months ago. So I don't think they're a result of GW removal.

 

Only Equifax removed the late payment. Transunion and Experian still show the single late payment. Too good to be true right? Has anyone ever seen this "mistake" from bureau and later changed to correct payment history?

I'd love it to stay like it is but I wanna be realistic about it. Thanks for any info!  

 

5 REPLIES 5
gdale6
Moderator

Re: Equifax removed late payment? Too good to be true?

CRAs dont remove late payments unless they have reached statuatory exclusion time frames, it was removed by the creditor. Possible that the other 2 will follow with the removal.

Message 2 of 6
solcruz
Established Member

Re: Equifax removed late payment? Too good to be true?

Thank you! My credit score is now in the 800s for Equifax. I'd love for the rest to follow. I'll report back if it was a mistake from creditor or GW success! 


@gdale6 wrote:

CRAs dont remove late payments unless they have reached statuatory exclusion time frames, it was removed by the creditor. Possible that the other 2 will follow with the removal.

Message 3 of 6
pizza1
Community Leader
Super Contributor

Re: Equifax removed late payment? Too good to be true?

Its also possible the inquires were re-coded as SP instead of HP. SP won't show up under the HP section.

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 4 of 6
LaHossBoss
Senior Contributor

Re: Equifax removed late payment? Too good to be true?

Found it interesting today that MyFico notified me a deroagtory account/delinquency had been removed. TU has multiple lates on 2 x SLs that were overlooked and forgotten (not removed, unlike the other 3 SLs from the same servicer).

 

When I pulled my CRs from ACR/TU all the many, many lates are still there, but when I checked MyFico and CK, they were "only" reporting 6 x 120d lates (3 x 2 SLs) and now they show 4 remaining lates on MyFico and CK. Each late hit 4 years old, so not sure what this even means. These accounts are a mess and MyFico and CK show my last late 6y 6m ago, but these 6 (or now 4) lates hit 4 years old.

 

Who, knows which place is correct. No score change, which is unsurprising since there are still 4 x 120d lates between the 2 accounts. We will see in 2 more months if that is when my TU is "clean" and I get a socre increase, or if it will be in 6 more months, in Nov, when the "last reported late" (from 2014, not 2017) hits 7 years old, or if it will really be early 2024 when my lates are considered "gone" and that is when I see a score increase. This will be my last baddies on TU once the 3 CAs are gone by this Aug. So I would be super happy if they disappear in July or even Nov!

 

I hope for your sake it was a result of GW removal and they are gone for good!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


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SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
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Message 5 of 6
babygirl1256
Valued Contributor

Re: Equifax removed late payment? Too good to be true?

Congrats on your Equifax late payment removal . . . I agree with @gdale6 as it must be a result of one of your goodwill letters because EQ is the most difficult of the 3 CRAs (in my experience). I've been trying to get a CO deleted that contains an error; TU and EX both has deleted the CO (I'm celebrating that accomplishment). Accept it as task completed in your favor!Smiley Happy

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 6 of 6
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