I recently pulled my credit report for the first time in a long time and found that back in 2005 one of my creditors reported 2 late payments. My fico score was a lot lower then I thought it would be and my wife and I are trying to save for a future home purchse (which isn't looking good because of my score). My question is whether or not I have any type of recourse with the creditor because of extenuating circumstances and the late payments?
The only reason I did not make 2 payments was that I was deployed to a remote location and had no idea how to prepare financially. I have made no other late payments and besides those two liittle inconsistencies my credit payments are perfect. Do I have any right to dsipute this and to whom do I write? The creditor, or the credit reporting agencies, or both?
