Please Help Have Disputed pass late payments but have gone no where

Date: Thu, 06/11/2009 - 14:12

Submitted by anonymous
on Thu, 06/11/2009 - 14:12

Posts: 202330 Credits: [Donate]

Total Replies: 4

Hello, love this site thank you to the admins for keeping it going. I have fought hard to get my credit score up but the last 2 years have been a little rough and i have been 30 days late on my car payment and credit card payments (2 HSBC Cards) on different occasions. I have disputed to the end but they are still hampering me. I am finally back on track but my score is not keeping up with me because of the previous late payments. Experian has some off that transunion or equifax has on and vice versa, is there any help for me or am i just on a waiting game for the next few years?

Late payment will stay in your credit report for two years. You

Late payment will stay in your credit report for two years. You can however negotiate with your creditor to re-age your account if you want to remove it from your report before two years. An account is considered current and all the late mark gets removed, once it gets re-aged.

lrhall41

Submitted by Carol79 on Fri, 06/12/2009 - 03:06

( Posts: 99 | Credits: )

Late payments can stay on your reports for 7.5 years, not 2 as C

Late payments can stay on your reports for 7.5 years, not 2 as Carol stated. The impact to your FICO score is minimized after 2 years but the data furnisher can report for the full time allowed by the FCRA.

lrhall41

Submitted by NASCAR_Devil on Fri, 06/12/2009 - 04:42

( Posts: 4671 | Credits: )

Thanks, Re Age is something i have never heard of. What do i ne

Thanks, Re Age is something i have never heard of. What do i negotiate with them and do i ask them to "Re Age?"

lrhall41

Submitted by anonymous on Sun, 06/14/2009 - 19:05

( Posts: 202330 | Credits: )

For reaging your account, you need to call up your creditor and

For reaging your account, you need to call up your creditor and make him agree to re-age your account. For this you may need to offer him some immediate payment and agree to make more than minimum monthly payments. There are however some Govt guidelines related to re-aging.

lrhall41

Submitted by Carol79 on Mon, 06/15/2009 - 01:08

( Posts: 99 | Credits: )