payment history missing

golfingmama · ‎04-07-2011

My TU report from myfico (and directly from TU) both show no payment history information for negative accounts. No seven year payment history or 30 days late, 60 days lates, and so on...nothing. Is there a reason why? These 4 negative accounts are CO's from 08 that have all been paid. All of the account status's have not been updated either, 3 of the 4 read "120+ days late" and the other is "bad debt charged off". Is there anything I can do to get these removed or updated? I've been and will continue to GW to death.

AndySoCal · ‎04-07-2011

What is the balance being reported as? Also when is it reporting 120 day late as of ?

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

golfingmama · ‎04-08-2011

I have 4 negative "flags" on myfico TU report. 1 account report "charge off/bad debt" with $0 balance, 1 account "payment after charge off/collection" with $0 balance and 2 account reports "120+ days late" with $0 balance. (verbatim) in my ealier post i was super sleepy, lol

There is no payment history at all, and the chart that states "30 days late", "60 days late", etc... has no information, nor is any icons showing in the seven year payment history area. its blank.

llecs · ‎04-08-2011

@golfingmama wrote:
I have 4 negative "flags" on myfico TU report. 1 account report "charge off/bad debt" with $0 balance, 1 account "payment after charge off/collection" with $0 balance and 2 account reports "120+ days late" with $0 balance. (verbatim) in my ealier post i was super sleepy, lol
There is no payment history at all, and the chart that states "30 days late", "60 days late", etc... has no information, nor is any icons showing in the seven year payment history area. its blank.

Your FICO reports only show the last 2 years of activity. You may want to pull your full report directly from TransUnion to see the entire history.