Hey all-- this is a weird one, maybe.
I'm rebuilding. It's been over 2 years since my last late payment.
I've sporadically (due to money) done MF and then paused it. I have just come out of a pause. TU and EX both show my Last Late at 2 years 2 months ago. That was not a real 'late,' it was my last payment on a chargeoff, so I think that's about right.
EQ, however, shows my last late on my 3B as 1 year 5 months ago. (Huh?) Something's wrong.
I tried to dispute, but I couldn't find the creditor that was triggering this note. You can't just dispute the Bureau's work, itself, apparently. So, to memorialize matters, I DID dispute one that had a notation at the 1 year 5 month-ago mark, and left a good faith note that I thought there might simply be an interpretation error somewwhere (I had PREVIOUSLY been late on this account and this is when it closed. It was current when closed. They said same.)
The next day, the whole thing still didn't sit right with me, so I called Equifax and spoke to a rep. Long story short, the woman swore up & down to me that he last late THEY had for me was actually about 2 years 7 months ago. (Maybe my last 'real' late, charge-off notwithstanding.) She's sending a copy of my report so I can review it myself. (Hunch: It'll show nothing, which is exactly what I couldn't find on my report to begin with!)
So, I'm wondering: Is MF maybe wrong? If MF is wrong, then there's a chance others might still see something "wrong," if they look, too. (I'm deep in the garden, but that's not the point here.)
How to fix this/review it to assure that everything's right?
Thank you, anyone!
Since I wrote this, I have had a couple of metrics come through:
1) my Credit Report from EQ shows no such Late Payment, as they stated.
2) my next MF 3B rolled in: it STILL Shows this thing as a (now) 1 year 6 month-ago late payment.
Help? Any ideas? I really want to make sure it's not showing elsewhere.
** in a related-unrelated (yeah, that's a thing) matter, I just noticed that my AMEX TU Vantage3 score pulled today shows 36 late payments in the past 2 years (!!) It's utter garbage, and my 720 score in the same scale is indicative of reality. I just want this stuff to show accurately!
Thank you, anyone, especially on the MF side!