06-27-2007 08:26 PM - edited 06-27-2007 09:45 PM
06-27-2007 08:27 PM - edited 06-27-2007 09:45 PM
06-27-2007 08:57 PM
06-27-2007 09:36 PM - edited 06-27-2007 09:47 PM
me again.......so is the mortgage paid or transferred?? As far as the 30 day late....my mother is a mortgage underwriter and she has told me as far as mortgage lenders go, they just really look at your payment history for the past 2 years. I am fixing to refi my mortgage, but i have to wait until September 2007( I assume the wait is to get a better rate....I'll ask her), because I had one 30 day late in Sept. 2005. Of course, we all know the older the lates are, the less they affect our scores. My scores are steadily rising with my one late on there. Hope that helps ya some....
so_confused wrote:have another question...On a paid mortgage...if one CRA is reporting on the condition line-closed and one is reporting transferd and the last is reporting closed(paid) and the loan was really closed(paid) could this affect my scores?And does a 30 day late on a closed mortgage acct. in oct/03 have any current impact on ones CR's?sorry for all the questions tonight...just really been looking at all three CR's more careful and there are alot of minor diff.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.