Customer Service

No derogatory information was reported on my credit report. Why did I receive a negative factor relating to derogatory data?

Delinquency may be indicated on any account that is currently delinquent or any account that is currently in good standing but has delinquency in the past.

To locate evidence of current or historical delinquency on your account, go to the Equifax Credit Report™ and click 'Negative Account History' under section 2 'Credit Summary' in the navigation bar on the left side of the page. This area will summarize the delinquent account information. Evidence of current or historical delinquency may appear in the following fields:

• The 'Account Status' of the account (30 or more days past due, chapter 13, repossession, bad debt, placed for collection, foreclosure, included in bankruptcy, etc.)
• An indication of any 'Past Due' amount
• The 'Times Past Due' and 'Previous High Status' of the account or other historical payment indicators showing previous 30, 60, or 90 days delinquent status on the account, or previous derogatory status, and when it occurred
• 24 Month Payment History indicating the number of times an account has been 30 Days, 60 Days, or 90 Days past due during the life of the account
• 'Description' associated with the account, containing narrative codes (comments) attached to accounts, if they contain any comment that is categorized as a derogatory event (for example, account placed for collection, paid by garnishment, etc.)

Note that accounts that have gone into derogatory status but were subsequently satisfied (for example, paid charge-off, account paid after foreclosure started) still have a derogatory event associated with them, which results in a reason code indicating derogatory data.