This is a continuation of my Ford Credit vs Equifax post. I thought it might be important to share how having a late payment (incorrectly I might add) has effected my score. I checked my score before the late payment and it was 594. After the late payment (90 days) showed up on my report the next month my score dropped to 520. Here I am four months later, the account is still incorrectly reporting but my score went up to 526. WOOHOO!!! I should also point out the none of the CRA's are reporting my mortgage which I have had since December 2000. I cant wait to see how have will improve or lower my score when it decides to report. Mike G.