payment history

my report gave me a c- on payment history but i had no late payments and 10 years of payment history. also 0 negative records. why would that be? shouldn't i have an A?

Hi ianmylesmom -

Not being able to see your actual credit report data, I can only guess at what could be causing the lower grade level of C-... Because it's showing a C- my guess would be that there is a record of some type of late payment(s) or negative indicator being reported somewhere in your credit report. If you've said you've never had a late payment, this could very well mean you have errors currently being reported in your credit report with TransUnion.

The Credit Report Card is only a snap shot of the data that's currently being reported in your TransUnion credit report, not the full credit report. In your case, I think it would be worth ordering your full report to see exactly 'what' is being reported and dispute errors if there are any. If you haven't already done so, you can try ordering your free annual credit report from www.annualcreditreport.com. You can order from all three bureaus (Equifax, Experian, and TransUnion) but as far as the Credit Report Card goes, it's using the report information on file for you at Trans Union.