MyFico updates monthly all 3 reports. I was able to fix a few things but still have a few things on my reports. Mostly payment history. I have a out of the blue a a late payments on a Credit One bank card that was been paid and closed July 2017. Credit One cant explain it and All of the credit bureaus just removed the late payment because it made zero sense. My Fico still shows the late payment so its effecting my score. been two months.