On my accounts on My Fico for my Experian credit report, I have a problem and don't know who to contact. The problem is when I view my Experian credit report and look at my accounts, I have a few with 30 day late payments but when I click on the actual name of the account, it brings up a box that tells me like you have had (1) 30 day late payment but then there is a little graph underneath that shows me when the late payment occured and the graph shows the late as 60 days instead of 30 days so which one is the Fico score looking at? The payments were only 30 days late - I've never on any acct. have a 60 day late. But the accts that do have a 30 day late are all showing 60 days on the graph but the explanation above the graph says 30 days?? Should I be concerned or contact anyone? My Experian score is very low only 575 and I can't figure out why b/c the other 2 credit bureaus are in the 630's and 640's - could the Fico scoring model on Experian be scoring with 60 day lates since that is what the graph shows? Who can I contact about this to find out?
