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chepito123 wrote:Re: Why is my cedit fico so low??I have 3 companys that report me as late payments (they show as"" Derogatory Trades"""GNB/Bealls, KAY JEWELERS, WASHMTL/PROVwhitch is true but now they went into collection all 3 and now they are showing in collectionwhy they show twice AS"" Derogatory Trade "" and also In collection in my report and are they all affecting my fico score and if I can dispute the Derogatory Trades ?My fico score is 594 I need a 620 at lest to get a mortgage loanThanks.