Dumb question - on my 4 reasons on what dragged my score down they have "In the past 2 years you were late 22 times" I was very late on Sears in the second half of 99 and Jan 2000 (I paid up to date in Jan 2000), but it only shows on Exp and Eqf. TU doesn't report Sears. Not only that, but 2 years ago (Pulled this in March) would have been March of 2000. So from 3/2000-3/2002 I shouldn't show any lates. Am I missing something here? Or do the Credit Bureaus count 2000 as 2 years ago (If true, it's a bummer since I'm stuck with that mark until Jan 2003!) Just curious... GT
