Hello
Currently trying to figure out my next step with my rebuild and wondering about getting some of my payment history with the USDA changed. I'm currently planning on waiting to try anything until August of 2017, to say that I've had good payment history for at least one year. From 2016 on, lates are all 30 days except June 2016, which is 60 days. I had much worse payment history earlier on in the loan -- several 120-149 day lates, one 180 day late.
I have a loan officer on my account, and the account as you can see is current. Does waiting for at least 1 year of clean payment history sound good? Should I email the loan officer then, and try to discuss working out a plan to wipe out some of my lates, especially the earlier history in my loan?
Has anyone had any success with lates being removed on a USDA mortgage? The search on the forum did not yield much.
Any help is appreciated!
Thank you