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 Credit Scores
Profile Image

Question By
Jhenry57

0 Contributions
0 People Helped
How do i get a deliquency off my report? only $150and 3 months late from 6 years ago
I was three months late on a student loan for only $150 six years ago and now I feel like its really holding back my overall credit. It was immediately paid off in full and I haven't missed a single payment of any kind in 6 years. I missed the payment bc I was a student and didn't have a job at the time. my credit score is a 739 but I feel it should be much higher given my history. Any help would be greatly appreciated as I am looking into buying a home but I want to have a better score to get a more favorable rate. Please help, thanks guys :)

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
785 Contributions
299 People Helped

Feb 19, 2015

7 years at least. Plus a possible extra 6 months. 

Top Contributor

Reply by
mindjazz

785 Contributions
299 People Helped

The delinquency can stay on your record 7+ years. You can try to dispute it on your credit report with the credit reporting agencies, but you will need to give a legitimate reason.   A 90 day late is rather serious.

Result 1-1 of 1Results 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.