I have no lates to ANYONE for the past 2 years. After verification, Equifax now lists the account as "pays 31-60 late" instead of "pays as agrees". My reason codes from FICO now include amount owed on delinquent accounts, and time since last delinquency too recent or unkown." I have never seen that notation "pays 31-60 days late" has anyone else? It seems to be using the date of verification as the date of delinquency. Also, has anyone ever had any luck getting Discover to stop verifying old late payments? Since 1998 my payment history with them has been perfect, and my balance is about 1/2 my limit.