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Remove late payments/Derogs from report due to BK7

Established Contributor

Remove late payments/Derogs from report due to BK7

So this is what one of my credit scores gives me for reasoning for low score (I know it is low due to my BK but like how can I rememdy this reason. 

"Too many accounts opened in the last two years not paid on time

Your report shows there are too many recently opened accounts with late payments. Late payments have a negative impact on your credit score. Be sure to make payments on time. As your positive payments continue, over time, the possibility that you will be a better credit risk could improve."


Derogatory Items


Number of Delinquencies


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Community Leader
Super Contributor

Re: Remove late payments/Derogs from report due to BK7

You cant. Its part of the BK aftermath for some people. Asking to have lates removed from a company you burned. Well. That wont happen either. All you can do is slowly keep rebuilding and let time do its thing. And not all reason codes are accurate at times. They have to throw something at you. And some wont make any sense.

Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
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