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I was looking at my transunion report.
I have a few open accounts, like toyota and my mortgage that are current now but had a few 30 day lates on them, on my credit report they are under the adverse section and not the good accounts, although they reflect current status for quite some time.
I had a rough couple of months last year, I would end up paying at like 35 days, instead of when the payment was due. They both reflect the 30 day late and are in the negative side of my report.
Can I request that they go to the positive side. Hoping Doc will come along here and help me out.
when will they move to the positive side of the house?
It may help to know how long ago this was good natured and how long they have been current since you got behind. I am guessing they will stay on the negative side for a certain period of time. For example once you have made 12 monthly payments on time and the account is in good standing it may go over to the positive side. Just a guess.
It may help to know how long ago this was good natured and how long they have been current since you got behind. I am guessing they will stay on the negative side for a certain period of time. For example once you have made 12 monthly payments on time and the account is in good standing it may go over to the positive side. Just a guess.
I would have to go back in and look at it again, right now I am trying to work on a pay for delete for a recent collection account that I did not know was reporting on me, if I don't get them to do it the account will stay on until 2015, I have three that are paid and will fall off 11/2010 and one that will fall off 2/2010. I have waited so long for these to come off and now this new one shows up. so irritating, I have been paying on it monthly, $20 a month, it is a real small account. I have it down to $120, so I will try the pay for delete, if they don't agree then I will just stop paying it, this really irritates me. It is CBE for Direct TV, I have been paying direct tv directly. So there is no reason for them to do this at all. I am gonna try to call them about it.
Hi Goodnatured
Missed mortgage payments will stay as a negative in your credit report for twelve months. If you can make your creditor agree to re-age your account, the listing may be removed by the creditor. Re-aging is the process by which you can remove late mark from your report, and making all the payments as current. However, it is very difficult to make the creditor agree to re-age your account and for that you may be required to pay a lump sum amount to the creditor.
Missing a mortgage payment is very harmful for your credit score. Even if you miss one mortgage payment, your credit score may fall as much as 100 points and this reduction in score may stay in your report for 12 months from the date the account becomes current. Moreover, if you default on your mortgage payments, your house may be under foreclosure. This is the reason why you should always inform the creditor about your financial position if you fall behind your payments so as to avoid foreclosure.
Allergy And You
I am unable to understand this post. But well some points are useful for me.
I am and have been current for quite some time, however the time when I got behind still reflects on my report. So, once the account is current for a year it will go to the positive side? This is good to know. It should go to good status soon then.
This is a relief, at least I know there is light at the end of the tunnel.
Yes good natured once it goes over to the positive side it will once again start helping your credit. Your score should rise also. There is definatley light at the end of the tunnel and once a year has been up things will move back into the positive direction for you. One suggestion is the next time something happens and you think you may be late on a payment try calling the billing dept. Sometimes they will give you a little more time to make the extra payment. Most will work with you and it will save you another years wait.
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credit
I know some of the posts above are a few months old, however.....I would like to 'add' to them. GOODNATURED......you stated there are 2 or 3 accounts that will 'fall-off' in 2010. But,...you have a 'new' one reported on your CB. Sometimes ( this is what I do sometimes) , you have to realize that the 'good' accounts out-weigh the 'bad' ones. So.....for example, if you have 3 'negative' accounts right now, and you know in 2010 that 2 out of the 3 will 'fall-off' , then you would have 2 LESS 'negative' accounts on your CR. I know this may seem crazy to think this way...but, sometimes you have to look at the 'Long Term' of it. Hope this helps alittle, anyway.
If you dues are on 5th and you pay them on 10th, it must harm considering tha the date is passed and the dues will enter into next monhs payment.
But, if you ask any repayment agency, he will tell that your payments must reach the bank between 15 days after due date. If not so, the central reserve bank has a force on them to minimize such cases. If your situation has ocuured more times, you were loyal and the bank has not suffered from the 'BIG BOSS BANK'.
You can try convey this point to the bank as a plus. All the best.
credit
DEVID85..sometimes ( depending where you have your loans) the Bank/Finance company will give you a 'Grace Period.' You have so-many days to get the payment in without the late transaction affecting your credit. The Fiance company that I deal with ( about my automobile) has this policy. You may want to ask if this is the case with the place that you deal with.