===================== There is evidence of a late payment on your file as recent as 43 months ago. Roughly 46% of consumers have some evidence of delinquency in their credit history. Among these consumers, their most recent late payment was, on average, 19 months ago. ===================== WHAAAA??? 43 months ago is longer then 19 Months ago :-( Equifax Score Power is Powerless!! :-}
Nestea, If what you typed in is an exact quote, I think they mean the following: 1. Approximately 46% of all consumers have some evidence of (at least one incident) delinquency in their credit history. In other words, almost half of all of us have at least one delinquent payment somewhere in our credit report. 2. Among that 46% of all consumers who have at least one late payment on their credit report, their most recent late payment, was on average, 19 months ago. 3. In conclusion, you are better than the average consumer who has a late payment in their history, because your most recent late payment was 43 months ago. Maybe changing the order of what they said will make it easier to understand what they actually meant. Hope that helps, BKinUT
Apparently this is fact in your case. Apparently this is a statistical statement for informational purposes only.. That's the way I read it anyway.
But yours is still a negative even if you are a bit better than the average negative. Big deal. A negative is a negative is a negative is still a negative and regardless of where you fall under the stupid bell curve it's still a negative.
