Because the credit agencies are very diligent in reporting your late payments, but if you look closely at your credit report.....you will find that only some of your on-time payments show up (depending upon which report you are looking at), usually it just states "no data reported", and that is the fault of the reporting agencies. When you pay your bills on time, they "should" be reporting this to all 3 of the major agencies (Experian, Equifax and TransUnion) but they are lax in this and feel if they only report to one, the rest will get the information, but it does not work this way. It is up to YOU to look at all 3 of your reports, compare them, and make sure that everything is correct and that all three are the same. If they are not then you need to contact these agencies that have not reported a closed account, 9 months of on time payments, or any other discrepancies and have them removed, changed, or fixed. If you have a plan with any company where you get your credit report, they have people available 24/7 just for this type of work, get in touch with them and they will help you fix your credit reports until all 3 are correct, but they will stay with you and help you get things removed, fixed and added until everything is correct. I hope this helped.
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