Late Payment when None Exist

[jeboles]

I've decided to bite the bullet and pay for the MyFico Premier to get all my Mortgage scores.  Upon reviewing my report, for Equifax, it shows I had a late payment this year around 3 months ago.  However, I know I had not missed any payments.  I've looked at all my accounts listed and none show that I missed a payment.  Could this error affect my score?  My Equifax is about 25 points lower than my other reports.

[sznthescore]

@jeboles  Is the late payment on the Equifax report?  If so that is why there is a difference in score.

[jeboles]

you sure?  I got the report from MyFico.

[jeboles]

I have no late payments.  I checked all 61 entries and none are showing late this year.

[Anonymous]

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@jeboles wrote:

I've decided to bite the bullet and pay for the MyFico Premier to get all my Mortgage scores.  Upon reviewing my report, for Equifax, it shows I had a late payment this year around 3 months ago.  However, I know I had not missed any payments.  I've looked at all my accounts listed and none show that I missed a payment.  Could this error affect my score?  My Equifax is about 25 points lower than my other reports.

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Do you have any COs and CAs?

[jeboles]

I do have charges off but they were all paid over a year ago.  Wouldn't explain the 3 months part, would it?  Also, Equifax is the only 1 reporting it, not the other 2.

[Anonymous]

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@jeboles wrote:

I do have charges off but they were all paid over a year ago.  Wouldn't explain the 3 months part, would it?  Also, Equifax is the only 1 reporting it, not the other 2.

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I have had the same thing happen, yes. Only one bureau (I believe also EQ) will count a CO update as a derogatory mark for the month, bringing it more current. Did you try disputing it at the time? That may be where the update came from.

[jeboles]

No chargeoffs have updated.  I've looks at all the payment history for every account.  I see no 30 day late on any account.  Doesn't make sense.  Credit Karma reports I hadn't missed a payment in 37 months for Equifax, which seems right.

[Anonymous]

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@jeboles wrote:

No chargeoffs have updated.  I've looks at all the payment history for every account.  I see no 30 day late on any account.  Doesn't make sense.  Credit Karma reports I hadn't missed a payment in 37 months for Equifax, which seems right.

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It will not show a 30d late

It will say under "date updated" or "last update" or something like that, the date.

Or it may show "CO" for 3 month ago in the payment grid, but I would rely on the last update date, first.

[Anonymous]

It would help most if we could see screen shots or pics of the derogatory accounts, with your personal info redacted, of course.