Straight to it: I have a late payment from 2021 COVID-19; payment was missed with the creditor named Grain, Oct, and Nov made 60 days; total misunderstanding, but of course, the creditor won't buy it. The late payment is now two years and nine months old. Problem: My credit report from Experian, dated August 18th, said 678, and these were the factors. Please take a look at screenshot 1. Now, this is where I'm confused. I bought a copy of my Experian report to see if any accounts or anything has been reported. This is the report from today, September 1st—take a look at screenshot two. My score is down 15 points. Keeping in mind that all previous reports never had that reason code as it fell off a good while back, I also no longer see it when applying for credit... and no balances have yet been reported for the month.
Screen Shot 1: https://postimg.cc/SjzW6wr9 ( Report from 18th of Aug )
Screen Shot 2: https://postimg.cc/vxcgm6Zk ( Report from Sept. 1st )
Ohh, **bleep**, you might be right, because unknowingly, My Chase card did report yesterday with increased utilization - and the same account that was late in covid is still the only one popping up as it's truly the only one ever late. But I still wonder the change in reason codes