What's up with this comment?

[Anonymous]

"The date of your last late payment is unknown." .. it is listed as one of the tihngs that is hurting my FICO score.

I have looked at all my payment histories & there are no months that have not reported. The only thing I can think of is my old paid off SM loan that TU doesn't report any payment history at all for? It was paid so soon after being issued (I dropped out of school & the school refunded it) that there was no payment history. TU doesn't report anything and EX has it coded as "Too New To Rate."

FICO warns against getting a missing payment reported because it could be negative, but this is the only thing i can think of that could be causing this notation. Any way I can look into this without possibly stirring up a bunch of poo?

[marty56]

I had the same problem with my TU report.  I called True Credit which is TU and they did something but I dont remember what it was.  I would call the CRA first and see what they say.

[haulingthescoreup]

Have you got an account under dispute that has a late on it? That's when I get this message. The late still displays on the accounts page, but for scoring purposes, it's as if the formula knows there's something there, but doesn't know when.

Accounts that are being disputed, except for CA's and public records, are temporarily held out from scoring. This is why many people get a score change, either up or down, when a dispute is entered. Surprisingly often the score goes down, because they lose the history from that account, and it turns out the history was helping more than the derog was hurting.

[Anonymous]

Nothing in dispute anymore. The only acc'ts I have w/ lates are my CC (closed & PIF last year) and my SL, and the SL already removed the incorrect lates. The CC isn't gonna budge & I'm not pushing them.

Very strange.