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When applying for mortgage.....


lisa8888
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We are planning on buying a new house in June.

We had a few late payments about 2 years ago. Im wondering when somebody pulls a CR on us, how far back does it show payment history? somebody told me 24 months, If thats the case they wont see the 3 late payments in a row?

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Now that you mention it I'm looking over several credit reports and it only lists the lates for the last 2-3 years depending on the trade line & creditor, however when there were lates prior to that there is a note next to the trade line that "Lates Prior to 12/03" or something along those lines. Usually a few late payments over 2 years ago won't hurt you when trying to qualify.

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