Thanks to the help of this forum I have been able to get my credit score from the 590-610 range up to the 640-660 range in a matter of a couple months. So I'd like to thank everyone for their help!!!
My wife and I want to apply for a mortgage and start looking for homes ASAP but I might have a problem. I have a 3 late payments on my credit report that are about 1 year old - June, July, and August of 2011 - all from the same auto loan. The lates technically weren't my fault but they are refusing to remove it from my report. My question is this: Do I have to wait 12 months from the last late payment INCLUDING the late payment month or 12 months AFTER the late payment??? Basically, should I be good to go in August or will it be September? Thanks for your help again, everyone!!! :-)
Also, I don't know if it matter but I paid the car off in September (the month after the last late payment on there). When I apply for a loan though, won't they decline me if the late has been within 12 months or is does it only matter for closing date? Thanks!