I was two payments late on my house payment ( @ Bank of America)...?
552948
You can't, you were late paying your mortgage.\nCredit reports must show an accurate payment history. And if you were late, then the reports are accurate. \nYour credit history shows how good or bad you are at paying your bills. Making 2 payments late is not the end of the world, but it is true.
884759
I recieved the same letter, I checked it out at the bank first had them call Chase, the check is not valid. I also called the number on the letter two nights ago at 10:23pm and was surprised when the answer I got was "What the f*ck are you doing calling so late, don't you knwo what time it is" "click" It is a scam just frame the check in the "wish it was" frame and go back to our pathetic lives
362912
How bad is your credit, I'm located in south st paul and I work with 115 banks.  I also have a credit repair person who doesn't charge you up front.  He gets your credit good enought to buy a house and when you buy the house he takes his cut out of the closeing costs.\n\nGive me a call and I can see what I can do.\n\nJon Strusz\njstrusz@fivestarmortgageinc.com\n1-800-467-6344\nDesk #651-209-8493
594784
It has been done on 12th this month as 13 and 14 were holidays so make the payment on 15th they would have debited on 12 so that it get cleared properly on 15th. Though bank can not debited without your authority but when you signed the contract at that time you may not have read fine prints.
244780
if you read the fine print, it tells you how long it takes to post the payment to your account. Make sure you know this information and get the payment in so it can be posted on time.\n\nWhen you pay, keep a receipt. Print it or copy it to a word type document on the computer. If they stick a late fee on you account, call and tell them the information from the receipt.\n\nI have CapitolOne and only once did that happen. The fee was reversed when I called with my receipt in hand.
430208
I had the same thing happen to me but i was billed 2wice by the NFL audio do what I did I didnt pay my bill they called me then i explained it to them that they billed me twice and they waived the late fee and i paid for the bill. If it doesnt work just send in one bill with it paid and act like you never got the second one ethier way works just form personal dealings with them.
193792
Possibly because you haven't been paying the minimum interest payments. I know on my interest only mortgage, they allow me to do this without penalty, essentially increasing my principle each month. They actually highlight an amount on my statement that is less than my interest, trying to trick me into paying less today. It's all part of the scam. Read your statement carefully and pay more than just the interest due.
606071
Just to let you know, every reported transaction is going to take you about an hour on the phone. This is going to be a pain in the butt. You need to dispute the accounts, (which you've done) now the angencys are going to need to prove that is infact you. They will do this by matching your DOB and ss# as well as your last 3 previous addresses. If they don't match yours the bill isn't yours, and it will be taken off. It takes some time ( a couple of months) so be paitent. If it isn't resolved in that time, you need to call each agency. Sorry but itentity mixups and theft are hard new.
729221
Check with the finacial institution used to make the payment.  If you did not make the payment yourself, then you have to ask the appropriate court to make sure the payment has been made.
709864
Check with your BK lawyer before doing anything. As far as Cap One goes... I dont adv anyone to go to them just simply cuz I work at a credit reporting agency and they are the number one creditor for reporting things wrong like balance and late dates.  Doesnt mean its like that for everyone I've just seem a lot of neg things from them.
1022044
Contact the tax bureau in the state where you live. Tell them your story. Then wait several months for them to get back to you and several more months after that for them to send you another check. And, it will be without interest. Only we taxpayers have deadlines and get penalized if we are late.\n\nGood luck!!
849472
A company can consider one day 'slow pay'.  But that's rare.\n\nThe typical time frame for slow payment(s) on a credit report starts when the payment is 30 days late.  Then it goes to 60, 90 and 120 days etc.\n\nCredit Reports don't show a payment that's 2 days late or 10 days late.  Reporting kicks in at 30 days.
881787
Ok, were your payments completely and 100% up to date.  If they were, then the bank had no right to take your money.  You were fulfilling your agreement with the bank.  However, if you were behind on payment(s) and had a history of being behind, then the bank probably got you on something that was in the credit card agreement.\n\nLook at it this way, you are being weened from credit cards.  Get away from them, they are a waste of money.  Get a check card and don't look back.  Find a different bank too.  One with a bit better customer service.
58111
I have heard about this happening all the time, the easieast way is to contact your bank and stop payment to aol ask a lot of questions and explain the situation they will help. Good luck AOL are a bunch of crooks.
784508
Are the lates on the mortgage?  If so, the 60-day is what is killing the 85%.  Unfortunately, I don't know of any lenders that would be willing to do that LTV either.  Have you tried hard money lenders?
838606
Pay your late payments or contact an attorney.  There a lot of good attorneys that work specifically to help you find the loop wholes to keep your house.  Or you can try to find a buyer and sell it before you lose it completely.
400564
Everything that you buy on credit or when to open the account you need to provide your social security number to do a credit check (not only credit card but even the utility bills or cell phone)gets reported to the credit bureau. If you have a report against you that means they reported a late (over 30 days) payment. I know that you do not like to hear this but if you have a late payment over 30 days, that gets reported and affects your credit score. If you only have one payment over 30 days it's not that bad though. Your credit score number gets lowered and the lower the number the higher the interest rate when you apply for credit in the future and if you have missed payments with a pattern of late (30 days or worst, 60 days) payments you might not be able to obtain jobs in certain fields or rent an apartment not to mention obtaining credit... Advice is be as conservative as you can from now on. It is not relevant to pay more than the minimum required amount on a credit card or other loan, so do not think that this help in any way. What is important is to send the payments religiously before the due date ( mail it at least 5 days in advance) or pay by phone or Inet and if it happens that you passed the due date, as long as it is before they issue a new statement, and is under 30 days, pay it even though with penalties. Hope this explanation helps you.