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mortgage with late payments on credit report

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 · Because of the way late payments are reported, you get somewhat of a grace period for being late without having it affect your credit. If you’re only a few days or a couple of weeks late on your payment, you can dodge having the late payment placed on your credit report as long as you make up the payment before the 30-day mark.

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"The Mortgage must be downgraded to a Refer and manually underwritten if any mortgage trade line, including mortgage line-of-credit payments, during the most recent 12 months reflects:-three or more late payments of greater than 30 Days;-one or more late payments of 60 Days plus one or more 30-day late payments; or

If the late payment is accurate, it will remain on your credit report for seven years from the date of the missed payment, which is called the original delinquency date. For example, if you miss a payment this month, it will be removed from your credit report seven years from this month.

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Card issuers may waive this fee if you call and ask nicely, explaining that the late payment was a fluke (assuming your payment history is otherwise good). This late fee is separate from the issue of having late payments on your credit reports. On credit reports, late payments are broken down into several categories.

Late payments on a credit card or other loan can have a widespread financial impact. Beyond triggering late fees and higher APRs, late payments can ding your credit score, affecting your ability.

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As it is set up on autopay, I’m not reviewing the bill on a monthly basis and as a result, I ended up with a late payment on this account. On my credit report, it shows up as a late mortgage payment. I contested it with the bank noting that the mortgage payment was on time and the only item was the annual fee for the home equity line of credit.

Mortgage lenders give generous grace periods that often last until the middle of the month and many of them will not report that the payment is late to the three credit bureaus until it has been 30.

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