I hope this isn't too confusing. I just pulled my EX Fico and it appears like it is calculating more late payments than is true as well as more recent than is true. For example, I filed BK on 10/30/06 and for a mortgage I was late 150 days up to when I filed. Below is the data from myFico and it is showing 90+ Feb 07. This is how it appears on all accounts that were IIBK where there is a "CO", but nothing shows up in the Collections portion of myFico.
30 days late 2 times (Jun 2006, May 2006)
60 days late 1 time (Jul 2006)
90+ days late 4 times (Feb 2007, Nov 2006, Sep 2006, Aug 2006)
Recent payment history
3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2
2005 2006 2007
Here is another one for Capital One which is showing a 90+ late Jan. 2008, however that was when I disputed info and the account was verified and updated. Again, not showing as a collection but since there is a "CO" there, it counts as a 90 late? Also, myFico shows as 30 lates overall (yikes), how is that calculated? Taking the example below for Capital One, I would count as 2 (Sep 2006 & Nov 2006), but obviously that is not how Fico is calculating because I do not come up with 30. Also, I did get an EX CR directly from EX today as well and it only shows the lates for Sept & Oct 06, not Jan 08. I feel like Fico is screwing me more than is necessary and I'm freaking out because it doesn't look like something I can dispute with EX!
Seven year payment history [?]30 days late 1 time (Sep 2006)
60 days late 1 time (Nov 2006)
90+ days late 1 time (Jan 2008)
Recent payment history [?]
2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1
2006 2007 2008
Legend: 
Currently paid as agreed 
30 days late 
60 days late 
Collection
Message Edited by irishchk23 on 08-22-2008 11:49 AM