Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Student Loans
Profile Image

Question By
JacobWarren22

1 Contribution
0 People Helped
7 student loan lates removed, but no score increase
Several weeks ago, I got with the company that owned my SL and got them to agree to offering me good will on my fully-paid account. A couple days ago, CreditKarma showed that the lates were indeed removed on my closed account with them, however I saw no score increase... Not a single point. However, on Credit.com it still shows I have those lates.

Which one of these should I go with? I went to check with the three credit bureaus and possibly dispute any lates that they may show that belonged to this account, but none of them showed any lates.

Wouldn't 7 lates being removed cause an increase in my score? I know having them certainly hurt it.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
3051 Contributions
2786 People Helped

It depends on when the late payments took place.  If they were over 2 years old, then they were not affecting your score anymore anyway.  Late fees only affect your score if they are within the last 2 years.

1 Contribution
0 People Helped

I should have clarified. They're less than a year old. That's what I find strange about it.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.