On the FICO dashboard report it says that Equifax shows me having one account with a late payment over 60 days late 4 yrs ago and Experian has me with 3 accounts with payments over 60 days late 2 yrs ago. I went through my credit report and Equifax does not show any delinquencies for me ever and Experian shows one in May 2013 on an account that was discharged through BK7 in 2009. So my FICO score is based on this incorrect information. However, to dispute an incorrect item on your credit report it has to be there to dispute. I have sent in a dispute for the one I found but Experian says there were three. Equifax says there was one and there are none. What do I do to get this fixed if it’s a FICO reporting problem?