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1. Yes, sadly, creditors can go back and change history.
2. If the 30 day late was for November 2011 on the 2nd mortgage, it would not have shown in November 2011 when you applied for the new mortgage. It most likely would have updated in Deceimebr 2011, thus dropping the scores.
3. Have you pulled your credit reports and looked at them? You can get them for free since you were denied credit (the mortgage for the new house).
4. Different lenders have different criteria for lates and how they look at them. Which bank was the lender with?
1. Find out who they are dealing with. Each lender is different. If we knew who you were dealing with, we could give more specific advice.
2. Definitely pay down the cc and stop using it for a bit.
3. Do not apply for any new credit.
4. PFD with the collections ASAP!
5. Get caught up on your current mortgages.
6. Goodwill for a deletes on the lates.
What do you plan do with your current house that has 2 mortgages?