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Goodwill adjustment on Mortgage late.


HECTOR
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I's my understanding that the oc has to report accurate info. but they don't have to report at all.

so i can ask them not to report the account but that will actually hurt my fico since it's the only derogatorty item on my report.

any ideas??????

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YMMV. Mortgages help in points for your variety of credit. 1 - 30 day late hurts only for 2 years. (with each month diminishing the point hit)

Depending on your history and sob story, you might get a goodwill adjustment. (Unlikely if you have a new mortgage and a recent 30 day late.)

Also, depending upon your current mix of credit, age of credit, etc....removing the TL could hurt or it could help.

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