They also have
them all marked as late payments, even though I have emails of the receiving my info for deferment or forbearance, which I did and which are still in forbearance until this may.
Not exact matches
Maybe you tried and failed to remove a negative comment, a
late payment, or an account that was
marked «Paid
as agreed» (which might mean the creditor agreed to let you pay less than you owed).
If you have a good VantageScore ®, you're likely to have a good FICO ® Score, because both consider the same factors:
Payment history: your record of on - time
payments and any «derogatory»
marks, such
as late payments, accounts sent to collections or judgments against you.
Fair credit may be the result of negative
marks on your credit report, such
as late payments.
Also, you must never miss a credit card
payment,
as this will incur an even greater penalty and a blacker
mark on your credit file than paying
late.
Any kind of black
marks such
as missed
payments,
late payments or judgments will show up on a credit report.
Once a few
payments have been missed it not only reflects negatively on the individuals credit report
as black
marks but will often result in an increased interest rate
as well
as additional penalties for over-the-limit balances and
late payments.
If you have a good VantageScore ®, you're likely to have a good FICO ® Score, because both consider the same factors:
Payment history: your record of on - time
payments and any «derogatory»
marks, such
as late payments, accounts sent to collections or judgments against you.
Regularly check your score for mistakes, such
as payments marked late that you paid on time or negative information that's too old to report.
While those slip - ups can be corrected easily more serious blows to your credit will come from cases of identity theft, closed accounts reported
as open,
payments incorrectly
marked as late, or the same debt listed twice on your report.
When your credit is re-aged, two things can happen: either your creditors will go back and
mark all your
payments as on time, or they'll
mark every
payment going forward
as on time and leave the
late payment marks in place.
Once a
late payment has been processed and effectively
marked on your credit report, your credit score will be impacted
as well.
They adjusted my monthly
payment but didn't remove the bad
marks from my credit of being
late as they noted.
Check for errors, such
as accounts that don't belong to you, or
payments marked as late that you made on time.
Even if it was
as simple
as being a few days
late with your credit card
payment, it leaves a black
mark on your credit report that drops your score significantly and serves
as a huge warning flag for future creditors.
Consider every
late payment as a
mark against your credit rating.