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Delinquent account questions
Posted on 5/24/15 at 12:59 am
Posted on 5/24/15 at 12:59 am
Hey guys looking for some insight.. Recently signed up for Credit Karma to do some digging into my credit, and what I would need to do to improve it. I found I had 2 delinquent accounts (wtf). What had happen was, I recently graduated from college with student loans. I was told I had a grace period on my loans.. This was true for 6 of the loans, but the other 2 kicked in the day I graduated. I find out about these missed payments later down the road when I contacted the holder of my loans to setup my repayment plan. They made it seem like no big deal, and since I had payed everything off, I would be fine... Turns out I did alot of assuming and got burned.
I have a (new) credit score of 670. I have made 173 of 175 payments on time (98.9%).
Here is what I need to know. Is there anything I can do to remove or resolve these 2 missed payments? Is this even a big deal?
I have a (new) credit score of 670. I have made 173 of 175 payments on time (98.9%).
Here is what I need to know. Is there anything I can do to remove or resolve these 2 missed payments? Is this even a big deal?
This post was edited on 5/24/15 at 1:02 am
4
Posted on 5/24/15 at 8:08 am to Athletix
Credit karma does not give you an accurate credit score.
Posted on 5/24/15 at 8:09 am to Athletix
7 years from the time it goes away. What sucks more than anything is those 2 missed payments stop you from qualifying for some things that would wipe it out for you.
Posted on 5/24/15 at 12:10 pm to Athletix
Google "goodwill letter". Send letters to the creditor. Sometimes it works but that depends on the creditor. Some are more forgiving than others. The credit score hit you take from those payments will lessen over time and will drop from your report 7 years from when they occurred.
Posted on 5/24/15 at 1:47 pm to Athletix
Contact the reporting agency directly and ask if you can provide explanations and add them to your report and be sure to point out any credit you have that is not showing up.
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