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Hello, my first post here. I had a string of missed payments on one of my student loan accounts which resulted in me racking up a past due amount. I started making payments three months ago to catch up on my past due amount, but my equifax report is showing that I missed a payment one month ago on the "Understand your credit score" tab. Will FICO report that I missed payments each month (even though I am making payments now) until I catch up to the past due amount? When I look at my credit report on the Equifax website, it acknowledges that I am making payments, but on this website my "Date of Last Activity" still shows the date prior to me missing payments in the first so it seems as if its just not updating. Just a little confused over here lol...
I don't know the details of your situation.
But in this sort of case I'd go get an actual credit report from EX / EQ / TU, and not rely on any sort of filtered report that a monitoring service offers.