Legal Question in Credit and Debt Law in Massachusetts

I had an account go delinquent while on maternity leave in 2009. It was reported to only one of the credit agencies and I paid it in full when I returned to work. Within the last month it showed up on another credit report causing my score to drop 82 point, and I'm currently house shopping. My question is can a creditor add derogatories to your credit report years after its original report, even years after its been paid causing unexpected changes to your score?


Asked on 7/20/14, 3:47 am

1 Answer from Attorneys
Christopher Vaughn-Martel Charles River Law Partners, LLC

If you were delinquent or late on an account, and it is being reported accurately, I'm not sure I see a problem. My guess is that accurate information can always be reported to the credit reporting bureaus. However, you probably want to speak with a credit repair specialist.

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Answered on 7/22/14, 8:03 am


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