Author Topic: How to remove a mortgage late payment from CR  (Read 387 times)

Offline Mordyk

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How to remove a mortgage late payment from CR
« on: September 15, 2022, 09:37:07 AM »
Long story short only realized the following month that mortgage was missed. Credit is shot now.  Mortgage company didn't want to extend courtesy to remove. Any other ideas how to get them to remove?  Otherwise credit is perfect history and was a perfect score.


Thank you
#TYH

Online Euclid

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Re: How to remove a mortgage late payment from CR
« Reply #1 on: September 15, 2022, 09:51:07 AM »
Long story short only realized the following month that mortgage was missed. Credit is shot now.  Mortgage company didn't want to extend courtesy to remove. Any other ideas how to get them to remove?  Otherwise credit is perfect history and was a perfect score.


Thank you
Lawyer up

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Re: How to remove a mortgage late payment from CR
« Reply #2 on: September 15, 2022, 09:53:38 AM »
Long story short only realized the following month that mortgage was missed. Credit is shot now.  Mortgage company didn't want to extend courtesy to remove. Any other ideas how to get them to remove?  Otherwise credit is perfect history and was a perfect score.


Thank you
I would try higher up at the mortgage co and wish you luck.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline pbf

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Re: How to remove a mortgage late payment from CR
« Reply #3 on: September 15, 2022, 10:39:52 AM »
I had a similar situation, but I felt the mortgage company was more at fault. I set up autopay twice and got confirmation emails. It was then cancelled after (I think the account number was wrong) but I got no emails. I believe they sent paper letters to the house, which I was not living in.
I tried fighting with them but got nowhere. I'm currently biding time to see if my CR goes back up, if not I'll have to spend money on one of those credit repair companies.
It's really really frustrating, I had sterling credit before.

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Re: How to remove a mortgage late payment from CR
« Reply #4 on: September 15, 2022, 10:58:18 AM »
...if not I'll have to spend money on one of those credit repair companies.
Not sure what they can do for you except write letters but keep us informed.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline pbf

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Re: How to remove a mortgage late payment from CR
« Reply #5 on: September 15, 2022, 11:04:03 AM »
Not sure what they can do for you except write letters but keep us informed.

Not doing anything yet. I have nothing impending that I'll need great credit for so I'm giving it time. Hopefully it will build back up in the next year or so.

Offline AJK

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Re: How to remove a mortgage late payment from CR
« Reply #6 on: September 15, 2022, 02:46:54 PM »
Write a goodwill letter.
Get in touch with with of the credit repair companies in Boropark/Monsey, etc.
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Re: How to remove a mortgage late payment from CR
« Reply #7 on: September 15, 2022, 02:58:04 PM »
Write a goodwill letter.
Get in touch with with of the credit repair companies in Boropark/Monsey, etc.
Any idea what a credit repair company would do to get it removed other than a goodwill letter?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Online Ver hut gazugt

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Re: How to remove a mortgage late payment from CR
« Reply #8 on: September 15, 2022, 03:00:50 PM »
Any idea what a credit repair company would do to get it removed other than a goodwill letter?
I donít know but in the past they got off a lot off stuff for me.

Offline pbf

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Re: How to remove a mortgage late payment from CR
« Reply #9 on: September 15, 2022, 03:01:36 PM »
Write a goodwill letter.
Get in touch with with of the credit repair companies in Boropark/Monsey, etc.

To the mortgagee company or CR?

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Re: How to remove a mortgage late payment from CR
« Reply #10 on: September 15, 2022, 03:02:43 PM »
To the mortgagee company or CR?
Goodwill letter to mortgage co.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline AJK

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Re: How to remove a mortgage late payment from CR
« Reply #11 on: September 15, 2022, 03:30:19 PM »
Any idea what a credit repair company would do to get it removed other than a goodwill letter?

Not with any specificity, but I understand they have avenues of redress that go beyond the gw letter.
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Re: How to remove a mortgage late payment from CR
« Reply #12 on: September 15, 2022, 03:36:05 PM »
Not with any specificity, but I understand they have avenues of redress that go beyond the gw letter.
There are many avenues but many are not kosher so just be aware. I do not know these companies, so I have no idea what they are doing.

Example. I have a closed account with late payments. I dispute the account and it gets removed. Highly probably it was not kosher.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline nonstoptravel101

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Re: How to remove a mortgage late payment from CR
« Reply #13 on: September 15, 2022, 07:36:40 PM »
Is there a way to pay mortgage on CR without fees? Or another card?