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 Reportâ„¢ and review the payment history under each account. This area will summarise 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, repossession, in arrears, defaulted,etc.) • An indication of any 'Default Balance? Amount • The 'Times Past Due' 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 ... more.

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