If you can figure out how credit scoring works, please let me know. I don't even begin to try to understand.

It takes time to verify. Customers could have filed a dispute which takes at least 40 days most of the time. All 3 agencies work at different rates and don't all report the same thing. Deliquency is only one factor. They might have a new 30 day late, but also paid down balances on 2 or 3 other accounts.

Sally and David,

The whole credit scoring algorithms are a connundrum. I agree with Nina Hollander ! A

Maybe the reports of the late payments haven't gotten to the credit agency yet. 

Just wait until the reports arrive.

Not a clue.  I'd guess it hasn't impacted it yet or they're playing some kind of game to keep it up.

Perhaps she has opened several accounts with low balances, hence lowering her debt ratio? 

There is likely an old past due account that is continuing to report as late and as time goes on it is getting later and later and more penalty points. Research it and find which it is and get it paid. This is my best guess.

Increasing their total available credit (amount they can charge) on various credit card accounts. The ratio of amount owed to amount available makes a big difference in the FICO score.

It takes time to report ... and all agencies work differently. When you figure out the credit system ... can it and sell it. You can then retire!

Not all changes happen quickly

it does take time to report that negative activity..... 

It could be a delay in the potential negative items not yet having been reported.

Where are the scores coming from, and how many reporting agencies?

 may be the recent that activity has not been reported to the bureau.

Good morning Sally. If the mortgage is not being paid, it's literally impossible for credit scores to increase, unless the mortgage is not being reported for some reason.

maybe they started paying down revolving credit with the mortgage money?

My guess is it's a reporting error.

Credit score calculation algorithms are proprietary to the credit score companies and are dependent upon numerous factors.  There are many credit scores.  Therefore, it is not possible to answer without a lot more information.

I have never seen that. I see more of the opposite especially when you have inquiries for more credit.

Interesting answers that I would not thought of.

I haven't a clue. Please educate us when you find out

Great question. I never see a clients credit score personally. The lender gets authorization from the client to share the information if it is relevent to me.

Dead beat, not paying on time, too many credit cards,  high balances, etc.

parked and reading - not a "credit expert"