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Technical & Cold Creditors

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Mortgage and Lending with CreditRepairVIP.com Veteran Owned & Operated

Broken Credit Blog

June 19, 2009

Technical & Cold Creditors

Filed under: Credit Repair

Hello, I work in the lending industry and I have a client that missed two consecutive payments Feb/March of this year. It was a total error due to my client being on chemotherapy medication and it has been explained to the lender but they don’t seem to want to take off the lates. How can they get these two lates removed? They were 1-3 days late each month to get the 2×30. Help..

Lou

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While I would certainly have sympathy and understanding for your client, the original creditor sees it in a more technical and cold manner, as will the credit bureaus.  Anything legitimate and verifiable cannot be removed from the credit report by anyone so this would come down to them finding a little bit of “heart and soul” and removing the lates. 

You could either dispute the account or hire a professional credit repair service to do so for them, BUT as they are assumedly legitimate and very recent the chances of deletion are minimal.  Hopefully they do not meet the criteria required by the Fair Credit Reporting Act for them to be continuously reported and would therefore, by law, need to be deleted.

 

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Comments (1)

Brian C. Aber
CreditRepairVIP.com - Littleton, CO
Leading Credit Expert

May 13, 2010 04:33 AM