Experian "ghost" late payment? Score dropped 27 pts but the account is nowhere to be found.
Hey everyone, quick question. Has anyone else seen a "ghost" late payment on Experian lately?
My FICO 8 just tanked 27 points out of nowhere. When I check the "See what changed" section, it says: "Your number of accounts ever 30+ days late increased from 1 to 2."
The weird part is that I’ve gone through my entire report account by account (even the closed ones) and nothing shows as late for April or March. I also checked all my bank apps directly (Amex, Chase, etc.) and everything is on autopay and current.
Is Experian just being glitchy? It’s like the summary "sees" a late payment but the actual report doesn't show which account it is. I also checked Credit Karma (VantageScore) for Equifax and TransUnion, and those scores haven't moved at all, so I’m wondering if this is just a blip or if I should be worried.
Anyone else dealt with this? How do I even dispute something that isn't showing up on a specific account yet?