Will the credit reporting agencies accept records of mortgage payments made on time to increase a credit score?

I have health issues and as a result my credit score has been on the decline, I have also depleted my retirement savings except for social security. I've had issues with paperwork that was not filed by attorneys, and a Chapter 7 filing that a judge will not re-open, so I am looking for any options to start the recovery process financially.

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Answered by Hans Bruhner, Mortgage Banker in Sebastopol, CA
The credit reporting agencies will not accept your records if you just send them in. What you can do is dispute anything that you feel is reporting inaccurately. The mortgage company then has 30 days to respond and show that you actually are late and keep the marks on your report or if they can’t prove you were late, the marks will be removed at the source. | 03.06.16 @ 13:46
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$commenter.renderDisplayableName() — {comment} | 12.06.16 @ 14:34
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