Is Myfico Going Wacky????

[Anonymous]

Total past due                     Credit history            Late payments

No accounts past due             15 Years                          0

= Marks an aspect of your credit that is hurting your FICO® score.

Why would "0" lates be hurting my score???

[Marvintran]

I've seen this happen to many people and its hurting your scores because of that red flag

for 0 balanced pass due. What you can do is concact the CRAs and dispute with them either online or mail. It should push your scores after it has been corrected.

[Anonymous]

what is your credit score? This is interesting.

[MidnightVoice]

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Marvintran wrote:

I've seen this happen to many people and its hurting your scores because of that red flag

for 0 balanced pass due. What you can do is concact the CRAs and dispute with them either online or mail. It should push your scores after it has been corrected.

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But what does one dispute?

[Anonymous]

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@Marvintran wrote:

I've seen this happen to many people and its hurting your scores because of that red flag

for 0 balanced pass due. What you can do is concact the CRAs and dispute with them either online or mail. It should push your scores after it has been corrected.

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What would they be disputing? If the flag is for 0 lates, how can there be lates to dispute? Call customer service and ask.

Message Edited by ilovepizza on 02-20-2008 09:44 AM

[MsKmm00]

Does your report show any past due accounts?

[Anonymous]

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credit4me wrote:

Why would "0" lates be hurting my score???

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Breaking news!  The latest implementation of the FICO algorithm treats late payments the same way it treats utilization.  For max FICO points, you don't want to have too many lates, but you don't want to have zero either.

Kidding, BTW.

[Marvintran]

LOL that was funny Cheddar,

Tell them to removed that red flag that is showing on the report

Because if you have flag it probably will holding  your scores down.

IMO

[MidnightVoice]

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cheddar wrote:

Breaking news!  The latest implementation of the FICO algorithm treats late payments the same way it treats utilization.  For max FICO points, you don't want to have too many lates, but you don't want to have zero either.

How many collections do I need to break 800?

[Anonymous]

Maybe you can despute the "0" and ask the CCC to spell it out... "ZERO".

lol