- 100d 19h 3m
A late is marked on her credit score. You need to look at all three and find the late. Then contest it.My wife checks her credit score every month using the free program. She also pays all of her bills on time. In the last month, her credit score dropped ~25 points because of "late payments". She's completely baffled because she pays everything on time. How can she fight this ding? Her FICO score just dropped under the magic 740 that you need for everything.