fico

[wayne-o]

I purchase my transunion credit report and score from myfico site. One of the things that said was hurting my score was a late payment in the last two months, however, none of the accounts are showing a late payment. My mortgage company did report a late in December, however, I disputed and they corrected it. Any thoughts on how to dispute something that isnt there?

[yoyoma51]

I do not believe there is anything to dispute.

There is nothing that compels lenders to report to CRA's, only to correct mistakes that they do report. My understanding is if they choose to stop reporting or do not report at all, there is nothing you can do about it.