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Not sure. What does "derogatory remark" mean? Is that a term of art? Or does it just mean "bad stuff"?

It's derogatory 'mark' not derogatory 'remark'. Yes, they are the 'bad things'. Each late/missed payment, each account sent to collections, each foreclosure, each write-off, each judgment is considered a derogatory mark (also referred to as a 'derog'). How much the derogs affect your score is dependent on the amount, the type of account, how late the payment

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.

Were there balances that were written off on the lines of credit that were closed? If so, that's a derog. If the line of credit was just closed, with no balance owed, then there's unlikely to be a significant impact.

To Joel's point upthread.....Each uncollected balance that was written off has the possibility of being sold to a collector and then turning into another account that is shown as being in collections, which will further damage your score. Additionally, if any of your lenders choose to sue you for balances owed, and are successful in getting a judgment against you, those would also damage your score.

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