Says deliquency, but can't find it

[amanda1266]

Hey guys,

When I check my credit score through a couple of the credit card companies I have accounts with it says I have a deliquency.  I checked Equifax and Transunion credit reports and it shows nothing deliquent.  Has this happened to anyone else?

[Anonymous]

When you say you've checked your TU and EQ reports, where are you doing so?  If it's through CK, their front-end fluff software only shows payment history for the last 2 years and possibly may summarize your negative items in a similar way.  This could mean that you have a negative item present on your reports from (say) 5 years ago, but since it wasn't from the last 2 years CK ignores it from the summary page that you see. 

Your best bet is to go though each and every one of your accounts (open and closed) and look for any delinquency.

[amanda1266]

Thanks!  I pulled the reports from the Equifax and Transunion websites directly and see no deliquency there.

[Meanmchine]

What is your Date of last negative?

Do you have a collections account?