However, my score was lower than I expected....when I checked out the simulator, the part where they value your payment history, the "my value" indicated 2 or more 90+ late payments. The credit report shows only (2) 30 days late. (this is correct). So it looks like the credit score model is using 90+ days late - and when I simulate the correct information, my score jumps by 60 points. Has anyone else noticed this and try to get it resolved?