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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
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.......