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Payment history question

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Anonymous
Not applicable

Payment history question

Got discharged in BK 7 in Oct  2012. My score is 655. I am A+ to B in all catagories like credit history and usage and credit age, but except payment history I am F for late payments before BK. I Feel this is keeping my score down. Can this be fixed?

 

Thanks

Message 1 of 3
2 REPLIES 2
RobertEG
Legendary Contributor

Re: Payment history question

It is possible to request creditors for good-will deletion of previously reported derogs.

However, if debt with them was discharged via BK, they took a loss, and most likely dont retain bunches of good-will.

 

Derogs each have credit report exclusion dates.  Since the BK was discharged back in 2012, the derogs were prior to that date, and thus are most likely approx half-way to thier credit report exclusion dates.......

Message 2 of 3
Anonymous
Not applicable

Re: Payment history question

Read the BK to 700 thread in the BK forum (the by soulmaster)
Message 3 of 3
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