Bank of America Mortgage Loan Modification

If you have a mortgage with Bank of America then you may be able to modify your loan terms.  Bank of America recently announced that they are proactively modifying mortgage loans; particularly to those who previously went through Countrywide.
BofA purchased Countrywide as the major lender started to go under.  Countrywide has been the poster child [...]

Capital One Late Payments

Capital One is a common card for many people to be put into collections.  A credit card with this company is not necessarily a bad idea, as long as you can still pay for it.  Unfortunately, many people that apply for a capital one credit card are unable to pay the balance off.  Hence the [...]

Remove Citibank Late Payments

If you are dealing with late payment with citibank, you need to know your options.  I can understand that having a late payment on your credit report, can be nuisance.  In addition, a late payment can prevent you from getting the mortgage that you might need or other financial applications could be declined based on [...]

Beneficial Home Mortgage

What can you do if you have a late payment on a Beneficial (HFC) home mortgage?  Well, the answer lies in: How late are you?  And will you be able to “catch up” on your payments?
Most likely if you have a late payment on your home mortgage, you are wondering how you can get this [...]

American Express Late Payment: What to Do?

So, you have a late payment with American Express hanging around on your credit report, huh?  Maybe it was your fault, maybe it wasn’t; but either way, now its time to do something about it.
You may have heard that you can remove late payments from your credit report; however, I am here to tell you [...]

When is a Credit Card Payment Considered Late?

Obviously, when paying a credit card bill, you should pay on it as soon as possible.  However, sometimes circumstances may arise and your payment may not arrive until after the due date.  So, when does a late payment actually get reported to your credit report?
Creditors will not report a late payment to your credit report [...]

How do Chase Late Payments affect My Credit Score?

If you recently had a late payments (past 30 days overdue) to Chase, you may be wondering how it affects your credit score. Unfortunately, having a late payment with Chase will cause your credit score to go down. However, there are some things that you might be able to do.
Chase reports any payment that is [...]

Remove 30 Day Past Due Payment

Are you wondering how to remove a 30 day past due payment from your credit report?  This information will help you.  All credit card companies consider a payment to be late when it is 30 days past due (but not before that time).  This will be reported to the credit agencies and will be seen [...]