Posts: 79
Registered: ‎10-03-2012
CR has 2 - 30 days late on Mortgage, but I was actually 17 days late??? (help needed)

Hi all,


Need to understand if I have any recourse for 2 - 30 Day Lates on my Mortgage reporting on my credit report.   


1.)  Mortgage is due 1st of every month

2.)  15 day grace period before late fees - 15th of every month


On both of my lates,  I paid my mortgage plus the late fee on the 17th of the month (less than 30 days).       My credit report is reporting 30 days late.     I've been told they technically can do this.  


That said, are their any options available to me to have these not report as 30 Days Late?    


Thanks in advance.




Starting Score: Sept. 2012 EX FAKO 601; EQ FICO 603; TU FICO 607
Current Score: Feb 2014 EX FICO 749; EQ FICO 744; TU FICO 763
Goal Score: 760 on all 3

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