conversation: User (conventionalbananas): "So I just pulled my free credit reports for this year, and looking at them a little closer, I'm seeing maybe half a dozen places where I was marked as on-time on month, and then suddenly 90 days overdue the very next month. Can I dispute this? Is it worth it to do so? Thanks in advance for your help! "
  Self: "Are they 90 days overdue? Many companies don't take 30- and 60-days too seriously and might not bother to spend resources to report it. But 90 days is a more serious threshold."
  User (conventionalbananas): "Most of them are from a few years ago, so I'm couldn't be sure about the timing. So you're saying they might have just reported it at on-time even if it wasn't? "
  Self: "I believe if they didn't bother to report the 30- and 60-days, it would default to on time."
  User (conventionalbananas): "Hmm. There's a significant number that also say "No Data", which I assumed was a lack of reporting. Interesting. I may have to dig into this a little further.\n"
  