BS 30 Day Late charge during Mortgage app process, credit be well brought-up until this. Effect?
Just as I'm working with a bank and going on for to submit my paperwork for the approval (sending docs and Soc # next week) my credit card co. hits me with the first 30-day unpaid charge on any account in over 4 years. It's bogus too, because I hold evidence of an online payment. My big concern is that it just dropped my FICO 80 points and it will probably hold 60+ days to dispute and remove IF they remove from my report. What should I do? My credit was High 600's/low 700's before this.
"> some credit card companies will still issue unsettled charge if payment is made after the business hours of wherever the company is base. or like say my saloon payment is always due on the 21st. but finishing june i forgot to set up my bank to direct the acct in time for it to procure there by the 21st. the bank one and only sends out payments on business days, and the 21st last month fell over the weekend. so i went online to the gmac and made a wage there but again they were indistinguishable even though my payment was rewarded on the 20th they system it as late when i actually made the donation. Although gmac didn't issue a late charge. most likely because i rewarded it a day early whoever have to review the accounts probably overrighted the system since it was still early.
BUt i don't expect all credit companies will give that consideration.
Again it may be due to the actual hour of the daylight of when you made the payment. maybe after 5pm, is considered slow.
Related Questions:
How do draw from second mortgage near a 636 credit rating?
Does anyone know where on earth I can return with a mortgage, I own no credit history,?
Credit Partner For Mortgage?
Getting excepted fo a Mortgage near poor Credit History?
Where can I attain a 100%, nil down mortgage? I hold worthy credit, clad income, but no down clearance.?
"> some credit card companies will still issue unsettled charge if payment is made after the business hours of wherever the company is base. or like say my saloon payment is always due on the 21st. but finishing june i forgot to set up my bank to direct the acct in time for it to procure there by the 21st. the bank one and only sends out payments on business days, and the 21st last month fell over the weekend. so i went online to the gmac and made a wage there but again they were indistinguishable even though my payment was rewarded on the 20th they system it as late when i actually made the donation. Although gmac didn't issue a late charge. most likely because i rewarded it a day early whoever have to review the accounts probably overrighted the system since it was still early.
BUt i don't expect all credit companies will give that consideration.
Again it may be due to the actual hour of the daylight of when you made the payment. maybe after 5pm, is considered slow.
Related Questions: