Hello All,
I have been a guest on this site for quite some time now, i have received a great deal of knowledge; i was able to get my scores to from mid 400's to near 700's... get a house, car, credit cards etc etc.
today i am again in need of this forums help, i am a real estate investor and i am considering refinancing my home. prior to this i had to fight with both cap1 and walmart to get 30 day lates removed to get my scores back up to the 600's.
Finally afterwards i was able to get a clear to close, only to head another road block... my most recent mort payment (which was 22 days late) bounced and i was unaware (foolish on my part and imbarrising). just 2 days before my refi cash out was to be paid to me and lower rates and PMI i was stopped. seems that they contacted the mort company and was advised that i was late.
Now, i have not yet been reported as late to the Bureau's, i am sure it is coming. is there any way to prevent this from being reported, or can i call and possible plead my case and be giving some leniency? at the moment i have no Late payment on my credit history. i tried, and (it is a small mort company with bad customer svc) had no luck, i get the run around, perhaps because it hasnt been reported yet.
any ideas at all?? thank you all in advance
