how's this for a 'hurting your score'
The date of your most recent missed payment is unknown.Or this:
You have a short credit history.
- Average age of your accounts 6 years
Most FICO High Achievers [?] have an average age of accounts between 6 and 12 years.
- Your FICO score measures the age of your oldest account and the average age of your accounts. In your case, either your oldest account was opened recently or the average age of your accounts is relatively low. People that do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. Therefore, as your credit history lengthens and you pay your bills on time, this factor should have less of a negative impact on your score.
The date of your most recent missed payment is unknown.
If you missed a payment, your FICO score evaluates how recently that missed payment occurred. In general, the more recent the missed payment, the more impact it has on your score. In your case, the date of this missed payment cannot be determined.
Keep this in mind: If you ask the credit bureau to report a date for this missed payment, it may lower your FICO score in the short term. If the late payment on your credit report is valid, you should focus on continually paying all your bills on time. This will demonstrate a good payment history going forward.
Most FICO High Achievers [?], about 93%, have no missed payments at all. But of those who do have a missed payment, it happened nearly 4 years ago, on average.This is what my Ex report says! I am baffled! 