<prompt> Human: I make a habit of periodically checking my credit report and it always comes back clean. Im in the process of applying for mortgages and when they report my scores 2 of them, equifax and fico, the score comes back way lower than they should be, with a red flag for delinquency. However i have no deliquent accounts or late payments ever, and when i check the reports there are no negative marks and no accounts marked as deliquent. Has anyone ever delt with this and have any experience resolving it. I need to get it fixed asap.  <response>: The mortgage lender who pulled the report should be able to tell you exactly what the delinquency is labeled as. 