What date am I looking for?? HELP!

[FSUGAPEACH78]

I am trying to obtain a mortgage and I know that you can't have any lates within the last 12 months.

My question is this................we had a voluntary repo in January 2009 and we paid the deficiency balance off January 2010.

So is January 2009 the last late payment? 

I know I am probably making this much more difficult than it really is 

[AndySoCal]

Your last payment date is January 2010 on this account,

[llecs]

Also, the OC can report lates monthly up to the point you PIF (or settled).

[FSUGAPEACH78]

It says 90 days late Jan 09 and then KD all the way through Feb 10? So it appears that the last true "late payment" is Jan 09? 

[FSUGAPEACH78]

And this is what MYFICO shows:

Status as of [?] Date opened [?] Date of last activity [?] Date paid out [?] Date closed [?] Account number [?] Loan type [?] Credit limit [?] Largest past balance [?] Terms [?] Account Type [?] Account holder [?] Scheduled payment amount [?]

Jan, 2010

Sep, 2006

Feb, 2009

Not Reported

Jan, 2010

XXXXXXXXXXXXX1001

Automobile

Not Reported

$38,874

76 Monthly

Installment Account

Joint Account

$802

Descriptions [?]

• Settled—less than full balance

[llecs]

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@FSUGAPEACH78 wrote:

It says 90 days late Jan 09 and then KD all the way through Feb 10? So it appears that the last true "late payment" is Jan 09? 

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If "KD" is up through 2/2010, then the last late would be then. KD is a term used by 3rd party report providers, like CCT, to define a late 90 days or greater. If you pull your CR directly from the CRA, you should get a clearer picture of what is reporting for those months leading up to 2/2010.