According to my most recent my FICO credit reports the thing that is hurting my scores the most are 5 or 6 derogatory remarks. My FICO says late payments.. EX reports 5 and TU and Exp report 6. These are accounts that are included in my Chapter 13 bankruptcy. They show $0 balances. This case was finished and discharged in August 2015.
In the payment history section of the reports a few accounts are reporting late even after my discharge date. It shows Aug, Sept, Oct by a few of them. This confuses me becasue they clearly state Chapter 13 bankruptcy in other parts of the report.
It makes it seem like there were recent late payments and that is not the case.
If my calculations are correct all of this will go away by 2/10/17 since that will be 7 years from my filing date.
I don't plan on making any major purchases within the next year. Credit scores are 610, 622 and 599. I started at 550 back in July 2015.
Should I just let these age off of my report?
