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Discussion Starter #1
I have always had great credit; last September I signed up for automatic withdraw for my mortgage payment. Either I misunderstood I needed to make two more payments until the auto withdraw kicked in.....bottom line I was 36 days late on a mortgage payment- shit. They dinged my credit down to the low 700's. I am likely to buy a pretty significant amount of property in the next calendar year...

I have already talked to the bank- they are not willing to budge.

Anyone ever used a credit fix company? This is the only blemish I have. It would be nice to find a way to block / fix, etc.

Thanks
 

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Just had this problem mine went from 700's to mid 650's. takes about 30'days not using anyone to get it back up.
 

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Contact the credit bureaus themselves. It'll take some time, some frustration, and may not do a thing in the end but I fixed mine that way.
 

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Discussion Starter #4
I meant to stick this in the 'trash or be trashed"

Thanks guys- I will move it.
 

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I meant to stick this in the 'trash or be trashed"

Thanks guys- I will move it.
Don't sweat it. Breaks the monotony. At least you're not out running screening ops for patrol officers.
 

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Dyslexic Lord of the Sith
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That really sucks man. I would contact the big 3 and talk to them about it. If you can get the mortgage company to send a letter certifying it was a mistake or something of that nature (that just depends on how willing they are to work with you) you can use that as a mitigating factor with the banks. They may or may not strike it from your credit report. I've done a challenge before, it is a pain, but in my case at least, it was worth it.

It has been so long I don't remember exactly where I went on the site (it was one of the big 3's own site) and filled out the form. Had to fax a bunch of crap and do a lot of leg work. But after about a month or so I got a letter in the mail that it had been removed from my credit.
 

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Go to Credit Karma and look at your rating free. They will have advise on improving your standing and you can see why it dropped. It's free and won't impact your score.
 
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