Account Showing 90 Days Late

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Dear Experian,

In what instance does a credit profile reflect a 90 day late when it never reflected a 30 or 60 day late? Is it possible to just be 90 days delinquent without first being 30 or 60?


Dear ADC,

Most creditors will report an account as delinquent as soon as a payment is one full billing period late, which is typically 30 days. Some creditors, however, may only report a delinquency once it becomes more seriously past due.

This could benefit the consumer by giving them more time to bring their account current without having a negative mark on their credit history.

If an account is reporting that it is or was 90 days past due, it is implied that the account had been 30 and 60 days late prior to the 90 day past due status. The 90 day delinquency will score the same whether the progression is reported or not.

If you believe the information is inaccurate as reported, you may wish to contact the lender directly to discuss the issue. You can also contact Experian using the information provided on your personal credit report in order to file a dispute.

If you do not have a current copy of your personal report you can request one at Experian's Report Access. You can also request a free report once every 12 months at

Thanks for asking.
- The "Ask Experian" team

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Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through December 31, 2022 at AnnualCreditReport.