FICO 8 shows late accounts, but credit reports show none

[Anonymous]

I've never been late on a payment for any of my accounts.

My credit reports don't show any late payments, but all 3 of my FICO 8 scores are showing 5-6 "Accounts ever late"

Any ideas why this is happening?

I declared BK last year, but I don't see how that would affect this.

[Aahz]

Fico 8 is a score and doesn't "show" anything.

What website is that image taken from and where are you getting your credit reports that don't show any late payments?

[Anonymous]

The scores are from Credit Check Total. They are explaining why my score is low, because I have these late payments affecting it.

My credit reports are from annualcreditreport.com

[Anonymous]

So CCT is showing you late accounts but your actual credit report isn't?

[Anonymous]

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@Anonymous wrote:

So CCT is showing you late accounts but your actual credit report isn't?

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Yes. It's also reporting my score to be much lower than I previously thought it was. Any ideas?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

So CCT is showing you late accounts but your actual credit report isn't?

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Yes. It's also reporting my score to be much lower than I previously thought it was. Any ideas?

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CCT gives you an Experian report with their factors and score. You should be able to find what they are seeing there. (and the other two if you pulled all 3)

[Anonymous]

I did pull all three credit reports, none of which show late payments. CCT shows 6 late payments for TransUnion, and 5 late payments for Equifax/Experian.

[DollyLama]

What month in 2016 did you file BK and when was it discharged?

[medicgrrl]

"and/or other derogatory information"  It's probably referencing the accounts that are listed as IIB and not necessarily late payments.

[Anonymous]

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@Anonymous wrote:

I did pull all three credit reports, none of which show late payments. CCT shows 6 late payments for TransUnion, and 5 late payments for Equifax/Experian.

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I'm saying CCT lists everything they see, I'm not talking about your direct pulls.