So I am assuming this is a long shot or impossible altogether, but i figured someone on here would know. I was discharged recently, everything reporting right as far as i can see. (Weird thing i do) I'll do a prequalify check on prosper lets say, Ofcourse i get a denial, but i'll get a score and reasons for denial. Well one of them is Late payments on accounts. So if the debt is discharged, but past late payments still affect the chances of new credit, is it possible to try and GW late payments from BEFORE the BK? Or is it already like set in stone in the reports. I alson understand that i doubt the banks would want to help me out, but cant hurt to try. I've got a opensky, discover secured and self lender so scores are going up. (I'm not trying for a loan or anymore credit, just trying to clean up anything i can)
If your accounts were late prior to you filing BK, then the lates v will remain as part of the acoounts history.