Recently my husband and I pulled our credit reports. We knew before we pulled that we had a lot of work ahead of us. Two things that I have noticed so far are.
1. Our old second mortgage with US Bank ( has been closed since march this year) is showing 30 day lates. There is 10 in total through out the life of the loan. After going through our bank statements and paper work from last year I noticed that 5 of the payments were not 30 days late. With 4 of them the wrong month is marked, it was actually the month before that late (exp. April was 30 days late but is marked ok and May was on time but marked 30 days late.) The last late that is reporting on two of the CR's is in March. Well this can not be as we closed on the house the end of Feb. and account on all 3 cr's state it was closed in March 2007 with a balance of $0.
2. Is a current tradeline that we have had since Aug of 06, it two is showing 3 30 day lates (Mar,07, jun 07 and july 07). Again after going through bank statements the payment for Mar and July were not 30 days late.
Can you all give some advise on the best way to deal with these. Both my husband and I are pretty new at this and are not sure what road to take.
Thanks
