FICO Score Reporting Different Most Recent Late Payments

[mistereman]

Hello Everyone,

I am trying to get to the bottom of why my Equifax is reporting a time of 1 month since most recent late payment and on Experian and Transunion it says 11 months (which is accurate, 1 month is not).

I have not had a late payment in 11 months, nothing else was late. I do have a collection from six years ago that reports to Equifax and Transunion. The only thing that I can think of is that our GS Card is reporting inaccurately, I checked every account and nothing has a 30 day late reporting. Something has to be reporting wrong, just can't pinpoint it. I'm attaching a screenshot. I had a 30 day late back in 2020 but I feel like it is a reporting code showing as currently late.

[GZG]

you need to check how equifax is actually reporting, can't reply on the myFICO version: 

https://www.annualcreditreport.com/index.action 

[AndySoCal]

@mistereman  Can you repost the middle and bottom screen shot so that it shows the Equifax 24 month payment history ?