Slow pays

Discussion in 'Credit Talk' started by Jim, Apr 6, 2000.

  1. Jim

    Jim Well-Known Member

    In the last few months, due to circumstances
    beyond my control, I had managed to fall
    behind in my ccredit card payments. I always
    paid but I was late in doing so and have had
    some over-the-limit charges on my credit
    cards. This seems to have affected my credit
    adversely and I can't obtain any new credit.
    Can anyone tell me how long these late
    payments remain on my credit record and is
    there anything I can do to speed up the
    process of removing these late payments.
  2. Eric

    Eric Guest

    You need to order copies of your credit report from all three bureaus. Often creditors won't report the first couple times you are late. The proof is in the pudding. Also, it can take a few months for all new info to show up on your report.

    Having the report in hand is the only way to look at this issue. Since you ahve been declined, they must furnish one for free.

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