Timeline for How to remove late payment of student loan from report (credit report dispute failed)
Current License: CC BY-SA 3.0
18 events
| when toggle format | what | by | license | comment | |
|---|---|---|---|---|---|
| Dec 5, 2016 at 14:56 | history | protected | Chris W. Rea | ||
| Aug 27, 2016 at 12:41 | history | edited | JTP - Apologise to Monica♦ | CC BY-SA 3.0 |
deleted 3 characters in body
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| S Aug 27, 2016 at 11:59 | history | suggested | Volker Siegel | CC BY-SA 3.0 |
Making names upper case
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| Aug 27, 2016 at 8:21 | review | Suggested edits | |||
| S Aug 27, 2016 at 11:59 | |||||
| Aug 27, 2016 at 6:20 | comment | added | Criticizing Israel not allowed | You became 'late' - why the quotes? Do you or don't you agree that you were late on three payments? | |
| Aug 26, 2016 at 23:23 | history | tweeted | twitter.com/StackFinance/status/769314440382668802 | ||
| Aug 26, 2016 at 23:04 | comment | added | maplemale | @homer150mw Please refrain from argumentative back and forth. If you don't understand, that's fine. If you want to respond again, there is a chat session open. | |
| Aug 26, 2016 at 22:51 | comment | added | homer150mw | @maplemale. Thank you for making my point. Your 600 score example had issues already, the late payments would make it worse but the score already sucks due to other problems. Adding late payments would not be likely to make a substantial difference | |
| Aug 26, 2016 at 22:09 | comment | added | maplemale | @homer150mw Just because someone has had a credit report with good payment history for 6 years (or even 60 years), does not necessarily mean they have enough credit history to negate the negatives from 3 late payments 6 years ago. I know people who have reports with hundreds of on-time payments for 30 years or more, zero negatives and are in the low 600s still. I realize that doesn't sound right, but it is possible and even common. Do you understand my point now? | |
| Aug 26, 2016 at 21:03 | comment | added | homer150mw | @maplemale not ignorance. If 3 late payments affect the score by 60 points as in your example it is the same regardless of base. If the base is 680 vs 780 the problem is not the 3 late payments, the problem is the base. That was not part of the question though, the question relayed specifically to the 3 late payments which based on their age abs the fact that everything has been in time since those 3 payments 6 years ago should be trivial. If the credit score is bad due to other issues that is another question. | |
| Aug 26, 2016 at 20:27 | comment | added | maplemale | The dynamics of this site seem to make that a waste of time. Once an answer is already up-voted 3-4 times and there are other answers, future answers no matter how much more accurate or applicable, go unnoticed. That's not the case on overflow... because in the realm of computer science, things are based less on opinions, thus the most correct answer no matter how late is always considered. But, on other stack forums, I usually don't bother. lol | |
| Aug 26, 2016 at 19:36 | comment | added | Matthew Green | @maplemale you seen to have a lot of opinions on this matter. You might consider putting an answer together instead of commenting on everything. | |
| Aug 26, 2016 at 18:46 | comment | added | user27283 | The customer has never been always right. | |
| Aug 26, 2016 at 17:46 | comment | added | maplemale | People commenting on the relevance of 3 late payments are doing so in complete ignorance because we don't know your base score. You should be able to tell EXACTLY how many points the 3 late payments equal. They may / may not be material. Example: you're at 780 and the 3 late payments are negative 60 points? 720 is still a very good score and you'd be able to qualify for a lot of additional credit (other factors aside.) But, if your base was only say 680, then -60 points hurts a lot! That said, @Brythan 's answer is best. Wait a 1 year. And disputing can reset the clock in some circumstances. | |
| Aug 26, 2016 at 15:57 | answer | added | Brythan | timeline score: 11 | |
| Aug 26, 2016 at 14:24 | answer | added | Pete B. | timeline score: 6 | |
| Aug 26, 2016 at 13:46 | review | First posts | |||
| Aug 26, 2016 at 14:15 | |||||
| Aug 26, 2016 at 13:40 | history | asked | user47809 | CC BY-SA 3.0 |