The FICO Score Breakdown says that I have 4 30 days lates and 1 60 day late. I have combed through every single one of my credit reports (full reports directly from the credit bureaus) and they all report the same:
1 30 day from March 2014 closed account
1 30 day from Sept 2016 open account
1 30 day from Sept 2018 open account
I cannot for the life of me figure out why FICO seems to think that I have 4 30 day lates and 1 60 day late. Any ideas?
I realize that it doesn't really matter what the breakdown says vs. what is in my actual reports. Nonetheless, I am still curious since I am trying to police up my credit file in order to purchase a home and on of the score reason codes provided with my mortgage scores states "Your FICO score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported"
