Can someone please help me to understand why my T.U. report I purchased from MyFico is showing my bad points as being recently late (0) months ,and I havn't been late on any account since almost 4 years since my BK in June 04.It also says I have missed payments that are recent and there again it has also been nearly 4yrs. Is it possible for Fico to review this or am I up a creek without a paddle? I really have been trying to regain my credit by doing the right things but this doesn't help . My EQ and EX are about the same way but TU is the worst. 7/04 TU,EX,EQ low 500's 4/08 TU-633,EX665,EQ676. Please help me understand !!
I believe that, to FICO, 4 years is still fairly recent. Tells me that on mine & the last late was about 3.5, so I'm feelin ya.
That's why I'm trying the GW's. I don't think GW's will help when the lates have been bundled into a bk. Was it a ch7? Those, I believe, are a little more forgiving since you actually do pay some of it up.
Thanks for talking to me.I was in a Ch13 but I recently learned I could get out because I had been in over 3yrs. I had done well before BK but my job closed the doors and I had no other choice. Trustee gave me an amount to pay and was blessed to be able to get it and get out a few months early.