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I pulled my equifax fico score today. Shockingly, it is down 30 points. I looked at the explanation of
negative factors and it indicated there was a recent missed payment, 2 months ago. This is not
accurate. There has been no recent missed payment. Moreover, I searched the report line by line
and there is nothing on my credit report indicating a recent missed payment.
There are derogatory accounts from many years ago but not have been updated to show any
recent activity.
I am completely mystified by this. The score drop and the explanation do not make any sense and
do not match the data on my equifax report.
Anyone have any ideas?