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Does anybody know from experience if deferring one car payment negatively effects your credit score? Im not even late but Im thinking about deferring my next car payment.
Normally, a deferment works as follows :: You pay the accrued interest and then they tack the deferred payment to the end of the the loan... They will report the current month paid as agreed - so there is no negative effect on credit profile.
@203bravo wrote:Normally, a deferment works as follows :: You pay the accrued interest and then they tack the deferred payment to the end of the the loan... They will report the current month paid as agreed - so there is no negative effect on credit profile.
There may also charge a fee ~ I received a mailer from my CU asking if I wanted to defer one payment this summer. They just extend the loan by one month as described and charge a $35 one~time fee.
I passed on the offer...
excellent piont