Derogatory mark
A derogatory mark is a serious negative item on your report, like a late payment, charge-off, or collection.
How it shows up on your credit report
Derogatory marks lower your score and can stay for up to seven years (longer for some items). If a derogatory item is inaccurate or unverifiable, it can be disputed and removed.
Not sure how this affects your score? We'll walk through your report with you.
Mesa Group Consulting helps Bakersfield and Kern County families read their credit reports and dispute what is wrong, in English, Spanish, and Punjabi.
Related terms
Charge-off
A charge-off is when a lender writes off an unpaid account as a loss, usually after about 180 days late.
Collection account
A collection account is a past-due debt that has been sent or sold to a collection agency.
Delinquency
A delinquency is a missed or late payment, usually reported once you are 30 or more days past due.