Due to in for seen circumstances I made 3 mortage payments late & now they are showing on my reports as 3 30 day lates in different months. Ive diputed them as never late & as of today, Homeside lending has verified with experian, there is about 5 days left on the clock with Equifax and 12 days with TU. Does anyone have any ideas/suggestions/stratagies to get a correction/injunction/pass/delete on these so that I can grab that low rate that is available? GOODWILL letter?/Validation letter? Any ideas would be welcome thanks GOD BLESS
willall Unfortunately, once a lender verifies with any cra, unless you can play on their "goodwill" it is going to be a real hit on your chances to refi. Of course, that also depends on how old the lates are. if they are recent that will cause a lot more damage then if they are old. The problem lies with the fact that when getting either a new or refi mortgage, the lender pulls all three. Hope this helps fla-tan