I was checking my score on Equifax and It came up as 630. I had a BK about 6 1/2 years ago have done everything I could since then to rebuild my credit. Secured cc, car loan...keeping everything paid. Then I am reading the reasons for the score and one of them was under a heading of "Recent late payments or undated. Its says I had a recent late payment of about 1 month ago.....where is this....I don't show any of my accounts reporting it on there report.....Could one of the accounts that was included in the BK still keep reporting as late....how is this possible......
"The account is somehow being marked as late (sometimes it will even say 00-00-00 indicating 0 times 30 days late, 60 and 90) really stupid, but having any value in there, even 0, counts against you." Maybe this thread can provide some insight.
