Need help figuring out Experian negative different date from Eq and TU

[Nocturnal]

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@MarineVietVet wrote:

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@Nocturnal wrote:

I am so sorry but does it matter if the loan itself was not charged off?  It's only a late payment I'm talking about here.  The loan was paid off in full.  I keep seeing that the 30 day late mark should drop off from the date the account first when delinquent.

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That should show in the 81 month payment history the full reports have for each account. For myFICO reports it has a 24 month payment history. Late payments can report no longer than 7 years from their individual date of delinquency.

It's not unusual for there to be a few months difference in the way lates are reported across the 3 CRA's. IME (In My Experience) the lates will drop off as scheduled. Some people report them disappering earlier than scheduled.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Thank you so much for your patience!  You are a great moderator to this community!  There are very few, especially moderators, on various forums, who'd have the patience to help someone like myself who continues to ask question after question.  It's greatly appreciated!

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[MarineVietVet]

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@Nocturnal wrote:

Thank you so much for your patience!  You are a great moderator to this community!  There are very few, especially moderators, on various forums, who'd have the patience to help someone like myself who continues to ask question after question.  It's greatly appreciated!

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Helping each other is why I think the vast majority of us participate. Of course there are always a few cranks who only want to discourage and cause trouble but they don't last very long.

The folks who started myFICO were determined not to be like so many "anything goes" online forums and I'm glad they run a tight ship.

The more I learn about all this the more I realize how little I know. But I keep plugging away!! 

All I ask is whatever you might learn here that you pass it forward to other people.