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What derogatory marks are on your credit report?

Not sure. What does "derogatory remark" mean? Is that a term of art? Or does it just mean "bad stuff"? Current report shows several accounts with missed payments, several lines of credit closed (by the creditor), and a foreclosure on one of the real estate properties that we used to own. Current score is 613 (which has alreadly impoved since the last time I checked.

A third party says this:

Your credit report shows a serious delinquency.

Your credit report shows one or more accounts with missed payments."

I never checked the score before, so I don't know exactly what it was when it wasn't a problem. Maybe in the upper 700s or over 800. I always paid bills on time. Doing that right now too. But the damage was done from about 3 years ago until last year. It's nice if it goes away in a few years, but I suppose those missed payments will ALWAYS show up on the credit report. (They're in RED too!) So does that mean that even things that show up on the report don't count toward the credit score if they are 7 years old?

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