Nearing the end of rebuild with questions

[thests]

Rookie here. After destroying my credit when I was younger, I am slowly nearing what feels like the end of my rebuild.

Within the last 2 months I have paid and successfully removed ALL of my collections from my report. I now have 2 "negative" accounts remaining on my file- one being a Mission Lane credit card (balance of $425 was charged off august of 2020, has now been paid in full) and the other being a World Finance account (balance of $159 charged off and sold to Spring Oaks Capital with an unknown closed date since multiple dates are reported- but it is paid in full and reporting CO zero balance).

Aside from those 2 CO accounts, I have an issue with my payment history report that is holding my scores down. My myFICO dashboard is showing that I have 2 late payments 30+ days:
Equifax says my most recent late was 3 months (not sure how that's possible because everything I have is on auto pay)
Transunion says most recent late was 4 years 8 months
Experian says most recent was 2 years 3 months

After looking through my entire credit report I do not see a single late payment reported. 

How do I figure out where the lates are reporting from and why there's such a large range of data?

Preparing to buy a house and want to get things quared away before diving into that.

For reference:
Ch 7 Bankruptcy from Sep 2017
(Fico 8 scores from MyFICO)
Experian 641
Transunion 652
Equifax 665

[FicoMike0]

Congratulations on all the progress!

When you checked your credit report, where did you get it? You have three reports, one from each bureau. You can download them from 

https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.annualcreditreport.com...

These are the complete reports not an edited version.

If you have lates, they should be there. If none show, they aren't real and aren't affecting your scores. If myfico or someone is telling you otherwise, contact them for an explanation or correction.

You mention a CO from 2020 and another with unknown date. The important date is first delinquency. That's when the 7 year removal calendar starts. That should boost scores.

You might start a thread listing all accounts, balances and limits, asking for help boosting scores. There is a lot of knowledge here. 

[thests]

Thank you!

I got all 3 reports from annual credit report and looked for late payments with a mangifying glass- nothing late reported aside from the CO that has been paid in full.
Interesting that myfico is reporting ghost lates if thats the case. Better than the alternative I suppose.

Appreciate the response

[FicoMike0]

There could be lates associated with the cos. Paying to zero doesn't remove the late.

[KangiCosmos]

Mines showing 1 late 30 day payment too. AND I keep going over mine and still can not see where the late payment is either

[FireMedic1]

Im fighting EX on 9 lates that popped out of nowhere. Isnt affecting scores. Its on MyFICO which I called. We only report whats given us. Called EX and got the round around. Printed out my ACR report. Ready to send the dispute in. No lates in years.