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Will this stop me from getting a mortgage before the end of this year?

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lindel
Frequent Contributor

Will this stop me from getting a mortgage before the end of this year?

I've been on the phone and online trying to pay my student loan bill with American Education Services, and I couldn't get thru because they said their system is down for maintenance (phone ). Online gives an error message. So I decided just now to call back and guess what office is closed. This is the June bill I'm trying to pay and July bill cuts tomorrow. Will this give me a 30 day late? I was trying to avoid this by paying no later than today. I actually had been trying to pay since this weekend and their services has been down? What do u think?
Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
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5 REPLIES 5
Appleman
Valued Contributor

Re: Will this stop me from getting a mortgage before the end of this year?

It will depend on when the June bill was due. If it was due on June 1st, there is a good chance of a 30 day late.

If it was due the 6th or later you should still be within the 30 day window if you can pay it tomorrow.

 

Good luck, a 30 day would not be good. Do they offer auto-pay as an option to ensure on-time payments?

Message 2 of 6
Anonymous
Not applicable

Re: Will this stop me from getting a mortgage before the end of this year?

To my understanding, being couple of days late wont result with them reporting a 30 day late payment. They report that if you are late 30 days AFTER your due date.
Message 3 of 6
DallasLoanGuy
Super Contributor

Re: Will this stop me from getting a mortgage before the end of this year?

when was june bill due?

 

Retired Lender
Message 4 of 6
lindel
Frequent Contributor

Re: Will this stop me from getting a mortgage before the end of this year?

June bill was due June 6th
Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000
Message 5 of 6
Anonymous
Not applicable

Re: Will this stop me from getting a mortgage before the end of this year?

I've been trying to contact fed loan servicing all day also. Same error messages as you are getting.

 

I wonder if something is up with all the student loan servicers? Maybe that could preclude from getting a 30 day late?

Message 6 of 6
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