Comments on: How Do Bad Credit Marks Go Away?

By: lastAutumn

lastAutumn — Fri, 02 Nov 2007 09:47:56 +0000

Bad credit is really a disaster, but in most cases people are guilty for getting into this. Besides,if you are unable to make payments, the bank is not the one to feel sorry for you and allow you not to pay. That’s life.

By: Star

Star — Fri, 05 Jan 2007 00:00:09 +0000

About 6 years ago I moved and in the confusion I paid my student loan 30 days late. I pay 1 lender, but it appears as 4 loans x 30 day late payment. 2 years prior, while out of work, I failed to pay these same loans for 90 days. It’s been over 8 years on the 90 day late payments. Should the 90 day late payments be removed now or do I have to wait another year until the 30 day late payments fall off?

By: carlos

carlos — Tue, 17 Oct 2006 03:36:31 +0000

hello i have a cuastion in 1997 i ritern my car and they put that in my credit ok 9 years later my credit is clean but they want to put it back on my credit that posible

By: VinTek

VinTek — Mon, 24 Jul 2006 17:54:24 +0000

This underscores just how important it is to have that emergency fund that will cover expenses for 3-6 months. Before you invest, before you pay off all high interest debt, before all else (other than pay off minimums), get that emergency fund in order. If you don’t have something to fall back on, all it takes is one bad break to fall into the abyss of bad credit.

By: Mike Aparicio

Mike Aparicio — Mon, 24 Jul 2006 16:19:41 +0000

If you only have one or two lates, it’s worth a try to call your creditor and ask if they’ll remove the late(s) as a courtesy. Sometimes, especially if you’ve been a customer for awhile and have an otherwise spotless history, they may do it. Like asking for a lower interest rate, it never hurts to ask.