Posts: 75
Registered: ‎07-13-2007

mortgage question

I ran into some financial problems last year due to my health and fell behind on my house payment for a few months.  I need to refi my house at the of this year. I was just wondering how far back do they look at your credit history. I heard it was the past 12 months. I that true because mine where in Last sept , Oct, Nov that show late then I should be ok
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007

Re: mortgage question

Hi! The thread below is a great starting point.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 197
Registered: ‎06-08-2007

Re: mortgage question

Wolf... the most common time frame is the past 12 months, but that's just what's "common"... not always what's done. Tell ya what: try to work with your current lender and see if they consider removing some or all of those lates. Countrywide Home Loans has done it for many customers (me and others) and I would imagine other lenders would consider it, too.

If your lender is interested in keeping you and refinancing you, chances are they'll be fairly flexible. Go for it and see what happens!
Established Contributor
Posts: 858
Registered: ‎06-26-2007

Re: mortgage question

How long did it take for your lates to be removed by your lender and did that really impact your fico scores?
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