Late Payments on CC

[Anonymous]

I had a 3 month period were I was not able to make payments on my credit cards.  I have since paid them all off, interest included.  Nothing written off as bad debt.  Is there a way to get them to remove them as late payments from my score?  This all happened in June / July / August of 09.  I am worried because I am not below 600 as a fico score and my arm is coming up in Nov of 11.  With that low of a score, I may not qualify for a home loan.

[JoeBJay20]

Welcome to the forums!

What you are asking about is called goodwill (GW), where you ask a creditor to update its reporting on your account based on its own goodwill.  Read through the Goodwill Primer for more information. Which creditor is this?

[MarineVietVet]

I also welcome you.

I agree with JoeBJay that your only option is sending GW letters. You have recent 30/60/90 day lates reporting. That is a real score killer. I wish you well in getting this fixed.

From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802

You can do the same thing with hard work

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