"recent missed payment" FICO 2,4,5

[Anonymous]

Have a question...my last missed payment was in Feb 2018 so almost 3.5 years ago, yet under my mortgage scores this is listed as a drag on 2/3 reports. I thought recent was categorized as <2 years? They're legitimate late payments so not like there's a dispute angle here. I'm just curious if it's impacting my score still.

[jnbowmar]

I think its 4 years untill lates are considered not recent. i have charged off accounts with lates from 2017, and i inccured a 30 day late of this january of 2021.

I was able to have capital one auto remove that 30 day late, as it was caused by covid, and when my reports updated, transunion reason codes on myfico said you have not been recently late, or missed a payment in 48 months.

It might be diffrent for the other two CB

[House2021]

I have that and my most recent late was 5 years ago