FICOFAQ client

Credit reporting, including late payments, is handled by the three major credit bureaus, not by FICO. FICO creates the FICO Score based on the information in your credit reports. If you believe late payments are being reported incorrectly, you should contact the credit bureaus directly to dispute the inaccuracies. They are responsible for correcting any errors in the credit report. Please keep in mind that accurate negative information, such as late payments, can remain on your credit report for seven to ten years.