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
Its the update. That's how it works and you will see that same message every time negative account updates
@Remedios this may be a stupid question but is there anyway to undo the update ?
No. If you never paid the loan off, it can report at any time as long as it's on your CR.
@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