I had a few mortgage payments go 30 days late back in April of 2005. I have recently paid off this loan in july of 2007 and was wondering if there is any way to remove these late payments from my credit report or do I have to wait until 2012 for these to be removed?
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no there is not
yes you do
the effect is almost nil after 2 years pass and you have new good open credit
Thursday, December 13, 2007
remove 30 days late on a mortgage loan
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