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so Congress says exclusions the term Consumer Report does not include reports containing information solely as the transactions or experiences between the consumer and the person making the report isnt your payment history your transactions with the company yes so if Congress says your transactions are not included on your Consumer Report where does the late payment come from when you control what gets reported what gets reported gives you the credit score the credit score is irrelevant it doesnt matter the information on the report generates the score so if you control the information you control the score and when you know what is legally supposed to be there by law you control what it ever gets reported that is why there is no such thing as a late payment it
