This credit stuff sucks and even though we need it, doesn't make it suck any less. I was in the same situation as poster before Noah back in April. I only needed 21 points to get this refi that was sweet, well lo and behold, had some late fees with the mtg company that we paid when we sent in the payment. THey held the d--- payment saying they did not know what to do with the extra money that I sent in even though it was an online payment with a section clearly for late fees and I put the exact amount owed. They reported us late to cra's scores dropped 100 points. Been trying to get those points back and refi since May with no luck, or high interest rates. Yea, never, ever, ever, ever, be late. I get paid through the state and I submit paperwork once a month, heard on the news last night that State Comptrollers office is holding up payments to state workers, don't know if we are included, they didn't say, but when checking status after entering payment info on 8-2, still says that info was received and no mail dates. That will totally screw me up and I will just forget about credit because that will blow payments for mid-month.
