Any one of you BOTL's know how to clean up credit reports!

We are refy our morgage and Ford Motor Credit has me down for a late payment in October, how can I repair this??

https://www.annualcreditreport.com/cra/index.jsp 

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It's a good site and it's free. You can use this once a year to check into what other companies are seeing. You can pay for a more detailed report, but this might help.

You need to contact Ford Motor Credit and ask them to change the payment from late to on time.

Pay your bills on time?

I know it's radical, but give it a shot!

MACS,

I thought I was I called them on the 1st of the month and asked if I could change the due date from the 3rd to the 15th.They said OK, now it shows up 30 days late and it took off about 50 points on my report!

You didn't get that in writing?

I hope you have a cancelled check or other documentation that the payment was NOT 30 days late,

Is the reduced credit score forcing you into a higher interest rate or affecting your loan? If not, you might just want to forget about it.

Good luck!

It was 30 days late!

And its costing me on the new loan, what can I do?

Freeeeee

Credit

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^J/K.

Get someone from the bank to confirm in writing that an extension was granted and that the payment was not late. Then, get lender to correct its report to the credit agencies. Even if you could accomplish this, I doubt the correction of your credit report will occur very quickly, let alone in time to help you with your loan problem.

Thanks I will try that!