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My Old Mortgage company


op_crdt_repair
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Sold the note to another company a year ago last Febuary and at the time they did that we were 30 days late which it reported on the report. Now what would be the best plan to get them to delete it or at least make it to paid with no lates?

Edited to say my old Mortgage company...seeing that it is getting views and no replies

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You can dispute it with the CRAs as "paid on time - never late" and see where that gets you first. Since the mortgage company is no longer holding your account they may not respond to the verification request and it would get adjusted.

Be warned. It is possible that the CRA may end up deleting the entire tradeline if they don't get a verification response. Since a single late-pay has practically no effect on credit scores after 2 years have passed, you have to decide for yourself if it is worth the effort.

If you plan on refinancing or something you can always explain it away as a snafu-mistake because it happened during a mortgage transfer and you were unclear who to pay.

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