How to Remove Mortgage Lates

So you got a “mortgage late”. You thought you paid your mortgage on time, but for some reason the bank never got your mortgage payment.

It happens everyday. Homeowners fail to pay their mortgage on time for one reason or another. I’ve heard every excuse in the book as a former Account Executive. But usually mortgage lates occur when homeowners are between homes. It’s understandable when you move from one home to another, paying off one mortgage and acquiring a new one. But you need to be extremely careful during that period to ensure everything is paid as agreed.

[When are mortgages due?]

Put simply, mortgage lates kill your credit score. And mortgage lenders and banks aren’t particularly keen on lending to homeowners who couldn’t pay their mortgage on time in the past.

However, because of the frequency of mortgage lates committed by homeowners in recent years, some mortgage lenders and banks now allow one 30-day mortgage late in the past 24 months before loan application.

Unfortunately, that only allows you to be late once in the last two years. What happens if you miss your payment more than once, or get a “rolling late,” which essentially counts for two late payments? Or if you get a 60-day late, or worse? What do you do?

Get the Mortgage Late Removed from Your Credit Report

You’ll likely need to get those mortgage lates removed from your credit report if you plan on financing any new lines of credit, especially if you plan on getting a new purchase mortgage, or refinancing your current mortgage.

If you don’t, you’ll be stuck paying a premium for any new financing you qualify for in the form of a higher mortgage rate.

Here’s the problem. If your mortgage late is substantiated, there is little you can do about removing it from your credit history. You got the late for a reason that was nobody’s fault but your own, and you have to pay the price.

But if for any reason that mortgage late was the fault of the bank or lender, the loan servicer, or another third party, you can get it removed from your credit report.

The first step is to determine what mortgage account is showing up as delinquent on your credit report. Get a free credit report and find out exactly when and from whom the mortgage late is reporting.

The next step is to call, e-mail, or write to the lender or bank reporting the mortgage late on your credit report. Discuss the late payment with a representative of the bank or lender and explain why you believe it is erroneous. This step can be quick and easy, or painful depending on how easy it is make your point and clear up the mistake.

Assuming the bank or lender recognizes their error, they will send you a letter on their company letterhead detailing the mortgage late, complete with the account number and the time the late or late payments occurred. They should also inform the credit bureaus of their mistake, which will boost your credit score once the delinquency is eventually removed.

It is essential to keep the letter you receive from them in a safe place, or even make copies of it. You may need to use this letter next time you apply for a mortgage or another line of credit.

If you need to resolve the mortgage late payment immediately, once your credit is pulled by a bank or lender, simply send the letter to the credit reporting company the bank or lender used to pull your credit. Once they receive the letter, they will be able to remove the late(s) and issue a credit supplement.

This will solve the mortgage late problem, but your Fico score may still be deflated for a while before the credit bureaus take notice. In that case, you will likely need to do a rapid rescore as well to update your scores immediately.

Do not waste your money on rapid rescoring if you don’t have a legitimate excuse for the lates, or paperwork to document any error made by the issuing bank or lender.

If you aren’t doing any new financing, but want the mortgage lates removed, simply make a copy of the letter, and send a copy to the credit bureau(s) reporting the error. Explain that you want the mortgage lates removed and they will remove them after verifying your letter. This is a great way to remove the late payments, but it will take time, so this method isn’t useful if you need quick removal.

Assuming you aren’t able to get the bank/lender to cooperate, you can dispute any late mortgage payments with the credit bureaus directly by visiting their respective websites and looking for the dispute page. If they take your side, the late payments will be removed and your credit score will rise, though the process can take several months.

Always pay your mortgage on time, no matter what the circumstances. Mortgage lates are one of the best ways to harm good credit, and poor credit will lead to a higher mortgage rate.

Tip: How to get a mortgage with a low credit score.


  1. Tani June 22, 2013 at 6:10 pm -

    Good tip. I didn’t realize they could be removed once they hit your credit report. I guess it’s worth a shot, nothing to lose.

  2. Sherwin July 19, 2013 at 2:31 am -

    Even if you have a legitimate mortgage delinquency on your credit report, you can still argue it with the credit bureaus. Simply use the dispute forms on their websites (Equifax/Experian/TransUnion) and if the lender doesn’t respond to your dispute, they will have to remove the late from your credit report. That should give your credit score a good boost and will relieve you of any issues related to having a mortgage late on your credit report in terms of qualifying for a subsequent mortgage.

  3. William February 25, 2014 at 4:22 am -

    This worked for me. I simply disputed the late mortgage payments on my credit report and within about 45 days the delinquencies were removed, no questions asked. I guess the lender or servicer didn’t respond to the dispute notice, so I win!

  4. louis July 15, 2014 at 2:03 pm -

    The problem is if the lender reports months later that you were indeed late your screwed. Even if they removed it before.

  5. Colin Robertson July 15, 2014 at 2:31 pm -


    If you were indeed late they have all the right to report it as such. If you’re able to get it removed that’s a bonus.

  6. Debra urbina October 6, 2014 at 7:24 am -

    I have a release of mortgage which states cancel and discharge of said mortgage and called circuit court where it was filed and says zero balance but have sent all three credit bureau copies of release where it says cancel and release but my mortgage company says the info on credit report is correct and just used a different acct number so the balance is still on credit report what do I do

  7. Colin Robertson October 6, 2014 at 9:57 am -


    Have you tried disputing the information on your credit report with the bureaus? Or contacting the mortgage lender directly?

  8. Carol January 26, 2015 at 8:26 am -

    My question is, I did a deed in lieu of foreclosure and it was reported back in July of 2011, however Equifax has just reported the delinquency in 2013, so it appears to be a new lateness and now my credit score has been affected (again). It was lowered when the delinquency happened back in 2011 and I have been since then still paying my other creditors on time and trying to wait out the 7 years, why would they wait two years to report this?

  9. Colin Robertson January 26, 2015 at 10:47 am -

    Hey Carol,

    Not sure why Equifax is reporting it two years later than when it apparently occurred. Perhaps they are reporting not the foreclosure itself, but some other event related to it? Ideally if/when you apply for a mortgage, a tri-merge credit report (all three bureaus) will indicate that the original delinquency was in 2011. Some might recommend a dispute to get any information corrected.

  10. Bibi January 30, 2015 at 1:45 pm -

    Hello, I am having problems with a mortgage of a house that i am not living in. Six years ago I got divorce. My ex husband kept the house. We are both in the loan he has stopped making payments on the house and now is affecting my credit tremendously. We are not able to refinance or sell the house, due to the devaluation price of the house. Is there any way that I can be out of the loan? Please advise.

  11. Colin Robertson January 30, 2015 at 3:59 pm -


    Generally, a refinance/sale is the only way to get out of the loan. Have you looked into a refinance via HARP or another underwater program with your lender. Or perhaps a loan modification? Homes prices have gone up a lot lately so it might be worth another look.

  12. Nadira January 31, 2015 at 11:39 am -


    My loan was under modification. BOA said the only way to be in the program is if I show late payments on my loan. They advise to pay late. During the modification they transferred the loan to another lender who took over the modification. Everything that they asked for were given to them. They also said I had to be late on my mortgage. Both banks had said that “once you’re in a modification/workout program it will not affect your credit.”

    I never got approved for the modification and it has been since 2010. I finally sold the house in 2014. I reapplied for another mortgage loan and was denied. The reason for the denial was because of the lateness on my mortgage payments with both banks. The banks refused to modify their reporting. Please advise.

  13. Kelly February 2, 2015 at 11:32 am -

    I keep hearing from my mortgage lender, “that it is their policy to only remove 1 late charge per year.” Is there not someone who can remove them all? I mean, after many times calling, I have gotten 4 removed in one year. Long story short. I have taken over the budget after my husband has accrued these late fees and is why I want them gone. And find it ridculious no one can remove them. Is this true or is it just bank “policy” to make up a policy to collect your money?

  14. Colin Robertson February 3, 2015 at 12:56 pm -

    Hi Nadira,

    Unfortunately, I think this was a common problem during the crisis. It sounds like they told you the lates wouldn’t affect the modification itself, but made no mention of subsequent mortgage applications. Perhaps working with the credit reporting agencies (Experian, Equifax, TransUnion) and/or the lender to attempt to get the lates removed from your credit report could help, though it’ll probably take time even if successful.

  15. Pinky March 13, 2015 at 3:00 pm -

    I have late payments on my mortgage account because it has been sold several time to different companies. In addition, I received modification that released me from the balance owed and to start fresh. Is there any way I can have those late payments removed?

    Thank you.

  16. Colin Robertson March 16, 2015 at 9:34 am -


    As noted in the article, it’s sometimes possible to dispute delinquent accounts with the credit bureaus to get the late payment activity removed. But there’s no guarantee if the creditor validates the information.

  17. Chad M April 8, 2015 at 8:27 pm -


    Great article. I saw the following and I need to comment because so many people are stuck in their loans because of one Mortgage late. Usually a honest mistakes and I understand, but it’s still your fault.

    “Here’s the problem. If your mortgage late is substantiated, there is little you can do about removing it from your credit history. You got the late for a reason that was nobody’s fault but your own, and you have to pay the price.”

    Your readers need to know that they need to have a VERY good story before calling the lender. Please don’t wing it. They must either show that it’s the lender’s fault or is some sort of mistake on “their ” end. I highly suggest that your clients leave it to a professional. Call someone, anyone, but do not try to talk their way out of it. We have clients who tries to give the Sob story, but ends up admitting to the late or lates which “substantiates” the late like you said while it’s being recorded. A sob story will NOT work because the agents on the other end of the line have heard EVERY single story under the sun and they are death to your story.

    You can delete this post if you like, but we can remove mortgage lates guaranteed. Fees are paid after the work is done. Please email me. I know we can help some people.



  18. Colin Robertson April 11, 2015 at 9:48 am -

    Hey Chad,

    What do the pros do differently that the agents on the other end haven’t heard or seen before? Just curious, thanks for your note.

  19. Chad M April 17, 2015 at 11:43 pm -


    Ans: The right story. One must create a story that makes it “their fault.” There are alot of laws and legal tricks that one can use. Every case is different – how is not something I can answer here. =)

    The agents/robots on the other end of the line is mainly looking to stick to “the script” and never “accept fault” because if the banks/creditors/data furnishers say, “sorry, it was our fault” (in writing) can becomes proof in a court of law if the that particular late mortgage payment causes harm to the client. If this late causes the borrow to lose a property (with equity) then the creditor is then liable for the lost which can be in the 100s of thousands.

    IE: Common story: a loan/note gets sold from one paper holder to another, then to another. Borrower sends payment to an old lender with a couple of days left before it’s late. The check, then, bounces back to the borrower 15 days later. The mortgage payment is late. uhhh-oh…. The borrower’s scores drop by 80-100 points. The borrower is stuck with that company for at least 24 months and a refi is not possible.

    FICO is funny, at least to me. The range is 350-850 (loosely) For a credit card: from 350-680 its a automatic denial or you get 300 bucks with 24% APR; from 720 – 850 it’s an automatic approval. so, the difference is 40 points guys and gals; the true range of FICO is 40 points! (it is a bit better with RE because the most secured loan at 620). So, if you are a A student, imagine going to F with one late payment. FICO is broken.

    Note: Colin, that last part was for you. I apologize if that sounds like an attempt to advertise on your blog. Please delete that portion if you don’t mind.


  20. Moe June 1, 2015 at 2:37 am -

    Hi Chad M, what is your contact info? please contact me or call me I can use your service for one missed mortgage payment caused by kyhc not my fault but seems I will get credit hit. Thx awaismo[at]

  21. Allen June 13, 2015 at 6:23 pm -

    Hey Chad,

    Can you shoot me your contact info? I’m interested in talking to you about how you can help me.


  22. Barbara July 29, 2015 at 12:59 pm -

    Hi Chad, If an account has gone to collection and has been closed, but still shows a balance due on my credit report, can I still pay off the debt? If so, will it increase my credit score?

  23. Greg Anderson July 30, 2015 at 9:03 pm -

    We are about to complete a rent-to-own contract with a buyer of our home. They agreed to purchase the property for a certain amt by the end of this year. We had to go through a loan-modification on this property immediately before they signed, due to another buyer doing a rent-to-own backing out. We had a few late payments in the process, but our mortgage company modified the loan and our payments have been on time since (what will be two years ago). We did not have to go through foreclosure, though we were going into the process. We opted for the loan modification which stopped the process. In other categories, we have fair credit, and plan to pay off all debt, including the remaining mortgage with the sale of the house. At the same time as this sale, we are moving to a city nearby in the adjoining state. We will have a slightly lower income with the new job. We plan to eventually purchase a lower priced home even lower than what we might eventually qualify for with the new salary. How long will be need to wait to apply for a lower mortgage, and is there any type of special mortgage, such as FHA or rural housing loan, that might help us qualify right away. Or, will have to wait a few years to apply bec of the past loan modification (even though it was about two years ago)? Sorry so long

  24. Shante August 12, 2015 at 12:02 pm -

    Did anyone get Chads information?

  25. Jim August 14, 2015 at 3:26 pm -

    Want to hear an amazing and depressing story? I make over $300K (W-2 long term employee), have $1.5M in investments and was trying to borrow $540K on a house that appraised for $650K. My wife has perfect credit and a FICO of 775. My FICO was 765…before my screw up. What did I do you ask? Well, I had an investment property that had an interest only loan on it. Because I usually throw most mail away (most of it’s junk nowadays), I didn’t see the notice that the loan was converting to a P&I loan. Thus, I kept paying my normal payment. Lo and behold, by the time they notified me that I was behind (I immediately paid it current), I was 30 days late. That was 3 months ago. I tried to get a new mortgage and was turned down. Then I tried a 1st and 2nd mortgage…got turned down on the 2nd. PAY YOUR MORTGAGE FIRST, folks…and pay attention to your mail!!

  26. Rebecca Christiansen September 4, 2015 at 8:00 pm -

    Flagstar foreclosed on our home 3 1/2 years ago and they have since resold it. The loan is showing up as a current, ongoing past due debt.
    I phoned Flagstar and was finally given the correct department, where I was told where to send a letter to correct this situation. I’ve written twice with no response.
    Would the credit bureaus be able to remove this if Flagstar continues to ignore me?

  27. Colin Robertson September 8, 2015 at 9:16 am -


    It’s possible to write a letter to the bureaus and/or dispute it online and if Flagstar doesn’t respond in a timely manner, have it removed.

  28. Littlehippy October 7, 2015 at 9:09 pm -

    Looking for some info on Flagstar Bank…
    I closed on my new(new to me) home in july 2008.
    Closing documents and mortgage with Remington Mtg.
    My first actual payment was returned, because R.M. sold my loan to Flagstar.
    Once informed, things were settled, all was good.
    In late 2010, Flagstar recommended (Almost held a gun to my head it seemed) that I refinance, ‘You’ll pay LESS’, and lower apr etc…
    I unfortunately did, was accepted, payments reset etc, all seemed fine.
    Come time to make the first payment afterwards, and that is were it started.
    ‘Sir, you didn’t complete this document, and the loan is delinquent’ WHAT???
    I finally got a Flagstar human on the phone, who insured me that nothing was a miss, that I just need to completely re-do the application.
    NOT SO!!
    They ended up not doing anything else, after sending and sending and resending… no review, no information on what was going on, nor what my options were, and eventually was told to contact ‘Loss Mitigation Dept.’
    By this time 9-10 months past, and not a response as what was going to happen, nor steps I needed to take.
    They foreclosed, no help from them, no info was sent nor released to me, to help me save my home.
    Since then have just blamed myself, thinking it was my fault.
    Ultimately it is my fault, but I’m now certain that it was mainly due to the guidance and false information from uncertified, under managed, employees of the neglectful Flagstar Bank.
    Fast forward 4 years…
    SO… Consumer Protection Bureau sends me this check.. for 10k! What the heck??
    (Some online research into Flagstar will educate you)
    Is it possible to remove this foreclosure from my CR?
    Also, with this new found education of Flagstar’s deceptions, that lead me (a pristine burrower at that time) to loose my home, should I get more legal counsel, and possibly seek further compensation? I figure I loss ~$40k that was already paid before they screwed me…

    Anybody have any advice?

  29. Michael Homeowner October 18, 2015 at 6:22 am -

    Hi, I had an issue regarding a wrongful foreclosure and a subsequent rescission. I’m trying to have the late pays removed for the period I did not own the property. I’d like to get your opinion. Here is a sequence of the events:

    This property was foreclosed on in December 2013 after payment was made to keep property out of foreclosure. After contacting the CFPB and the BBB, Citimortgage agreed to a rescission of the foreclosure. A timeline with the sequence of events from 10/2013 thru 12/2014 is listed below. I am writing to you to dispute specific periods of credit reporting. The specific periods in question are as follows:
    • November 2013–1st payment was made on the Streamlined Modification.
    • December 2013– 2nd payment was made on the Streamlined Modification. Payment was returned as a result of Foreclosure.
    • December 2013 thru October 2014–The property was sold for $85,000 on 12/3/2013 to a real estate company. After the foreclosure the property was owned by Federal Home Loan Bank.
    • November 2014–Payment was made to get modification up to date. The payment was for $5,317.20 for payments from Dec. 2013 thru November 2014. This payment was denied by Citimortgage and I paid $14,338.08 in December for all past due payments. The account is now current.
    I am asking for relief in our credit reporting as a result of delays beyond our control, loss of ownership, and payments made in good faith. Please correct the credit reporting for the months noted above for the time period from 11/2013 thru 11/2014.


  30. John M October 19, 2015 at 10:11 am -

    I am looking for a company to assist in getting a couple “lates” off of my credit report. Did anyone ever get Chad M contact info?

  31. Rosemary December 2, 2015 at 6:39 pm -

    Am also looking for Chads number.

  32. Jason December 29, 2015 at 11:28 am -

    So if I have a rolling late on my report That is now current do I have to wait for a year to apply for another Mortage to buy another house

  33. Colin Robertson December 30, 2015 at 9:44 am -


    Depends on how many days late (30, 60, etc.) and what type of mortgage you’re looking to apply for. And also if you can prove any extenuating circumstances related to the delinquency.

  34. Ricky January 12, 2016 at 8:05 pm -

    I was going through a loan modification with BOA . Omg they drag me on for about 28 months . The statement kept coming and it stated do not pay this amount.they ran me to the ground . I sent the same ducts over and over again . 95 percent no one to speak to . And when I do they say it’s all ok , they will let us know if there is anything missing. Finally they sold the loan and then I was under the water already. Had to file chapter 13 lost everything. And then they reported me as all late payments. So unfair is this legal. I am ruined.

  35. Colin Robertson January 13, 2016 at 11:44 am -


    Borrowers are now submitting complaints for lender abuses to the CFPB. Not sure if will change anything but if you feel BofA should be held accountable it could possibly prevent future abuses.

  36. Peter January 24, 2016 at 12:17 am -

    Why are you borrowing money if you make that much money?cant you just buy a home outright. Sorry but I’m not going to feel sorry for you. I feel sorry for those who lose a job and can’t pay their mortgage. Not someone with investment property and 1.5 million in assets sorry.

  37. Eric T February 4, 2016 at 11:52 pm -

    Looking for Chads #…I have two years worth of no mortgage payments made on my credit report. I just took a loan on my 401k to get myself out of hock; it took about 72 hours to fix what my wife spent the last couple of years hiding. It’s pretty complicated (and humiliating), but I’m getting ready to write a $11k check to pay off the one-year trial period on the loan modification. The problem is: I’m not sure I’ll be able to secure a new loan with my credit score as is…the only thing I could come up with was approach the broker before I send the early trial period payoff to use the leverage to take the 2015 calendar year off my report. Any other thoughts? Chads contact info?

  38. Paul Marshall February 24, 2016 at 9:22 pm -

    I was not able to make my September 2015 mortgage payment. I set-up a payment plan with the mortgage company and paid the payment along with my regular payment during October, November, December and January. I made all those payment on the agreed upon date and for the amount agreed upon. The mortgage company reported my account as late for October, November and December. I did not realize that this would happen. Is this what is generally done? I am now getting a divorce and would like to purchase the house by refinancing the mortgage, but with these late payments I will probably not be able to. I was told I may be able to after a year of on-time payments. I am really desperate to get the house.

  39. Colin Robertson February 25, 2016 at 9:58 am -


    That’s unfortunate. It’s possible to ask that they remove the late payments since you worked out a deal with them, but if they won’t budge there’s the off chance a dispute with the credit bureaus could work if they don’t respond to the dispute.

  40. charles tolston February 25, 2016 at 5:30 pm -

    I need assistance removing mortgage lates

  41. Paul Marshall February 26, 2016 at 6:03 am -

    Hi Colin,

    I a worse case scenario, do you think I would be able to refinance after a year of on-time payments? I am willing to wait that long if needed> I really want to stay in my house for the sake of my kids and to keep my biggest asset.



  42. Colin Robertson February 28, 2016 at 2:47 pm -


    You may want to shop around now to see what’s available for your situation and to determine if you even need to wait. It may not hurt to prepare yourself now so you’ll be ready to go once you clean up your payment history.

  43. Paul Marshall March 13, 2016 at 8:50 pm -

    HI Colin,

    I am taking your advice and personally seeing several banks this week about getting prequalified to get a mortgage. My daughters really want me to stay in the house they consider their true home. The neighborhood is one of the best in the town for my youngest and we have developed some great friends here. I feel I owe it to my daughters to try and stay in the house.

    Thanks for your help.


  44. Jamie March 25, 2016 at 5:27 am -

    Hi, we were behind on our mortgage for quite awhile (120 days +) and are now on a trial modification. Once the modification is complete and our account is reported as current will that improve our credit score at all, or will that only happen with time and consistent payments? Just wondered if we will see an initial boost when it reports as current for the first time in awhile.

  45. Colin Robertson March 26, 2016 at 5:40 pm -


    It’s possible, though credit is never totally predictable due to the rest of your credit profile/history. It depends if the lates are removed or if they remain and the account is just brought up to current. May also want to see if anything else is holding your score back, such as large outstanding revolving balances.

  46. Daniel April 25, 2016 at 2:24 pm -

    Hi Colin,

    My mortgage was sold to a new lender in February. Not realizing this, I made payment for February to my old lender in early March. I got a call from my new lender around that time stating that they did not receive payment. I advised that I made payment to the old lender. The new lender customer service rep stated that he would research the matter and work on getting payment back from the old lender. Just checked my credit score and found that I was dinged due to late payment. I called the new lender again and was told that they did not receive February payment until early April, which is outside of the 60-day grace period given with transfer of a loan. They advised to dispute with the credit agencies. Is there anything I can do to rectify this situation? Doing some research, several places stated that if payment is sent to the old lender within a certain time frame, the new lender cannot report late payment to credit agencies. Is this correct? Any information would be greatly appreciated.

  47. Colin Robertson April 28, 2016 at 3:13 pm -


    As the lender suggested, you could dispute it with the credit agencies and speak with your lenders to ensure they don’t fight it so the lates can be removed via dispute.

  48. Kim April 28, 2016 at 5:32 pm -

    back in Dec 2010 we had a home, we had renters living in it, we had to move because of military and was told about the loan remodification…but alas they said you have to be X months late and you would qualify after 6 months saying yes you qualify, they decided no you don’t qualify! I quickly put it up for a short sale 7/11, got offer on property before a foreclosure was even started, but took 3 months to close.11-11 I tried getting them to remove the foreclosure started since they accepted the offer before the date they said. I also now have 120+ late. I know they dragged it out, so we would get further behind because they wouldn’t accept payments while waiting for the loan modification process that they decided to deny. Is there any different wording I can use with credit reporting? We are getting ready to look for a new home purchase. Any help is greatly appreciated.

  49. Paige Lancaster June 2, 2016 at 2:36 pm -

    Hi. My loan is served by select portfolio. I was wrongly reported for being late. I appealed it ,and they found it was an error. However, for almost two weeks I have been begging for a letter. One sentence. I need it to qualify for another mortgage rapid restore. They keep giving me the run around. Everything they do has a process. My son has special needs and we are in a rural area. We need this mortgage. I can’t believe how heartless they are being. Unless told them we need this note. I even shared that I just had surgery for breast cancer. They don’t care so wrong.

  50. patrick munoz June 6, 2016 at 4:38 pm -

    Chad – how do we get in contact with you to get help for a mortgage late reporting on our credit

  51. Rich Zelek July 6, 2016 at 12:56 pm -

    Chad- please send us your contact information. Thank you.

  52. Colin Robertson July 7, 2016 at 7:24 am -

    For all those looking for Chad’s info, I’m assuming he (and people like him) probably just dispute the information with the credit bureaus in the hope they don’t argue it, which thereby removes the late(s) from your credit report and boosts your credit score. This is how most of those companies operate and you can do it yourself if you’re diligent. And now that disputes can be done online it’s much easier.

  53. leo August 28, 2016 at 10:23 am -

    I have late payments on my credit that I want to get off I tired to dispute the late payments and was told it was reported right. the problem I have is that I was going threw a home modification and the company wouldn’t except any payments while in the process this company gave me the run around for almost a year saying that they haven’t received all my papers, every month they claimed something wrong on my end, I got tired of them and found help with Fannie Mae whom got my loan modified. the late payments and interest was deferred. what should I do

  54. Colin Robertson August 29, 2016 at 1:44 pm -


    Generally disputes only work if the reporting was in error, though if the company doesn’t respond you can also win the dispute and get the lates removed.

  55. Cyth September 19, 2016 at 12:34 pm -

    I separated from my (then) wife about 7 years ago and she stayed in the house. Long story short, she couldn’t afford the payments so was late numerous times which of course went on my Credit score.

    We finally got divorced almost two years ago, and got the house sold with a “forgivness” amount to be paid to the USDA to pay off the total. We got no money from the house it basically went to the USDA and Realtors for the fees, but was told that debt would be now “settled”.

    However they are still on my Credit Report after the fact. Just how long do these take to be taken off, and/or is there anything I can do to take these off my Credit Report now that the house is sold?

  56. Colin Robertson September 19, 2016 at 5:35 pm -


    Lates are generally reported for seven years but you can always try to dispute the lates with the credit bureaus. Each bureau has an official website that allows you to do this. Sometimes they don’t fight and they get removed that way.

Leave A Response