Is there a way to have a late payment removed from my credit report?
I have 2 payments to my lender that were 31 days late (30+ gets reported). I have tried talking to managers on the phone, writing a professional letter, and offering to guarantee that I refinance my loan with them when my interest rate fixed period ends in a year, and they simply refuse to help me. I am trying to get a home equity line of credit to do some home repairs, and I am finding it nealy impossible to do so with 2 recent mortgage lates. My LTV of over 90% doesn’t help things, but if I could get those 2 lates removed, I’d qualify for loans that go up to 100% LTV. If anyone has any ideas or suggestions as to what I can do to try and get those lates removed, I’d greatly appreciate it. Thank you, in advance, very much for your time.
Unfortunately, only the creditor can have them removed. Late payments on a mortgage are serious. If you truely feel that they are in wrong you can request your payment history from the creditor and go from there. More than likely, its not going to happen. You’re going to have to make timely payments for a long time now and have a really good reason the next lender that is considering a refinance.
Is there an honest credit rating of consumer counseling services out there?
Yes, and the FTC. If you are referring to credit repair services, then the FTC says that they are all scams. They make suggestions on where to find legitimate businesses and such. Just be careful. You can not find too many sources to be as good as the work of an honest rating.
FTC reins in Debt Relief practices "A bit of good news this week: The Federal Trade Commission ended July by offering consumers some relief from relief companies called debt-so.
What do you think of the billions of war funding $ 162?
I think the money is used for addition GI Bill benefits, unemployment extented to return the troops, and for flood relief efforts in the Midwest are a good pass. But, as more money to keep pumping into Iraq to help "build" their country and its infrastructure is a big, big NO! U.S. taxpayers have the burden of paying to build a country that has not given anything in return and refuse to help themselves. This is another reason why America is in economic trouble … care care from another country! Iraq produces 200 million barrels of oil per day. A barrel of oil is selling for $ 134. Do the math on the amount of money country do every day. Is America getting anything in return, plus a larger domestic debt. NO! Here's a suggestion to DC if you want to run the national debt and put a burden on American taxpayers, how does it for "OUR" country. Do you spend money on someone elses business and the abandonment of her own business!
Most of these funds are not spent elsewhere. They are being hunted by American contractors. On the other hand, troops of the U.S. occupation had already demanded the Iraqi puppet government to pay the cost of gas for the occupying troops. "We attacked you, we bombed, We are bombarded every day, and occupying the country. Now, to pay for our gas! "I wonder what will be next. Make them pay for the fall bombs on them too?
How I can fix my credit report for a charge account I'm an endorsement?
I co-signed a loan credit card my brother. He built up and stopped paying thousands more than a year ago. The debt is charged off. He is working with a credit counselor to solve debt, but it will be a while. I wonder if perhaps a consumer statement "will help. There is nothing to indicate that it is not actually my account. Is there any advice on the drafting of a credit report consumer statement?
You can make a statement. However, most creditors do not bother to read those statements. The bell he was indicted in mind that will remain on your credit report for 7 years.
