When do late mortgage payments fall off CR?

Bobert22 · ‎03-04-2013

first time in this section of the forums.

I have a 30 day late from Sep 2008 and Nov 2007 When will this fall off my credit report? And can I dispute it and have it fall off? FYI, I'm still financing my house with that same company for the same loan.

Want to get this off my report then my report will be crystal clean. Thanks.

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)

JM-AM · ‎03-05-2013

7 years from reporting date.

You can try to GW them see if they remove it.

Good Luck
May all your dreams and wishes become a reality!

Bobert22 · ‎03-05-2013

@JM-AM wrote:
7 years from reporting date.

You can try to GW them see if they remove it.

What is GW?

Also how do I do it? I really want them to remove it off my report? It's only on my EX report?

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)

JM-AM · ‎03-05-2013

@Bobert22 wrote:
@JM-AM wrote:
7 years from reporting date.

You can try to GW them see if they remove it.
What is GW?

Also how do I do it? I really want them to remove it off my report? It's only on my EX report?

A GW is a GoodWill letter.

You can go to the rebuilding boards and get examples of a GW letter. You can also ask in the rebuilding boards for any other ideas that may be able to help you.

Just so you know a GW is no guarantee they will remove the information from your reports, but you have to keep trying and be consistent. They will help you on the rebuilding boards.

Good Luck
May all your dreams and wishes become a reality!

rjohson · ‎03-05-2013

the late payments will stay on the credit report for 7 years, and then fall off, but no need to worry because the lenders only look back 24 months, i have 1- 30 day late last year 6 within the last two years, and my fico scores are 732 719 and my eperianc credit is abot 728 i have at least 18 late payments within the last 7 years.