I missed two consecutive months on "one" of my consumer credit cards in 2004. I had total five credit accounts open at that time. I was out of country and this particular card's website did not open for some reason and I could not make the payments. It can be noted that I made payments to all other cards in the same months. I had significant debt back then. So this negative entry along with the volume of other CC debt made my scroe sink very low. Now, I have a good job and have paid off every single penny of my debt. But this one bad remark in my credit file wont allow me good rates anywhere I apply. Insurance, car loan, new credit card to start afresh... everybody seems to just hang on to that one bad remark. I want to buy a house but am afraid of even going to the bank for a mortgage. Do 5 years worth of timely payments and all paid-off debts mean nothing against one missed payment?
Could someone please help me find an answer? Thanks.
Write to them and explain why. Some will change it for you Good Luck |
