Has anyone had any luck with getting lates removed off am mortgage by disputing as never late? If so did they stay off? I just got all my mortgage lates removed on all 3 reports...just want an idea what to expect THANKS!
I battled Countrywide who must be the worst mortgage company to deal with in history. I threatened to sue to remove late pays and go all 3 stooges to remove entrys completely!
I've had it go two ways- either the CRA updated the mortgage TL to "paid never late" (EXP) or thy just deleted the entire TL (TU). Still ongoing with EQ- they keep verifiying. My mortgage was through Citifinancial.
warchant7, please tell me exactly how you got Countrywide to remove the late payment mark. I recently missed a payment (I'm now up-to-date) and they put a 30-day late mark on my report and now my score has plummeted. I called Countrywide and they were very rude, telling me that unless it was their fault Federal Law prohibits them from removing any remarks from my credit report. Is this true? Please share with me your tactics...and I will be forever in your debt (no pun intended)....thanks!
best option is to use a reason that IS THEIR fault -- I.E. PAYMENT WAS RETURNED MARKED RETURN TO SENDER. I got one off this way, after about three letters, and numerous phone calls.
