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Myfico reports updated ... Equifax is saying " 1 month since last late"

mfinsmi1
Regular Contributor

Myfico reports updated ... Equifax is saying " 1 month since last late"

Screen Shot 2022-08-05 at 4.54.06 PM.png

i dont know what to do about this. there is no lates on my account in the past 2 years , the other two bureaus show the time being 2 years.  I have pulled the equifax report and looked at the 3b report . The only difference i see from last month is that my really old closed and defaulted student loans have an updated date reporting of 07/2022 . even though the last late payment was in 2016 on this old loan could this be what its referring to. and if so how can i dispute this to fix this error. thanks for the help 

 

Please note : there has been no recent drastic drop to my EQ score that would indicate a 1 month old late payment so i have no idea what is going on 

Active Cards:

Chopping Block:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current

Stats: 6/6; 9/12; 10/24 --- AAoA=4 YRS, 8 MO

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Remedios
Moderator

Re: Myfico reports updated ... Equifax is saying " 1 month since last late"

Its the update. That's how it works and you will see that same message every time negative account updates 

 

70% Water, 29% Opinions, 1% Evil
Message 2 of 5
mfinsmi1
Regular Contributor

Re: Myfico reports updated ... Equifax is saying " 1 month since last late"

@Remedios this may be a stupid question but is there anyway to undo the update ?

Active Cards:

Chopping Block:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current

Stats: 6/6; 9/12; 10/24 --- AAoA=4 YRS, 8 MO

Message 3 of 5
Remedios
Moderator

Re: Myfico reports updated ... Equifax is saying " 1 month since last late"

No. If you never paid the loan off, it can report at any time as long as it's on your CR.

 

70% Water, 29% Opinions, 1% Evil
Message 4 of 5
mfinsmi1
Regular Contributor

Re: Myfico reports updated ... Equifax is saying " 1 month since last late"

@Remedios so this loan was closed to a $0 and then sold and reopened as a new loan - so im not sure if that classfies as never paying but it will fall out early next year so i guess its not the end of the world plus its not impacting my score thanks for the help

Active Cards:

Chopping Block:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current

Stats: 6/6; 9/12; 10/24 --- AAoA=4 YRS, 8 MO

Message 5 of 5
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