Muy mortgage went up by well over $100 due to an escrow analysis, and I paid it all short $100 because my law student budget at the end of the semester is totaly tight.

So, I find out today that it was not applied to my account at all, apparently a common practice for partial payments and actually understandable, so now I have a late payment on my mortgage.

MY credit is important to me (duh), and I was unable to secure a bar prep loan without a co-signor and wondered why-this was why.

How can you get these things off your credit? I've heard you can take classes and stuff, is this true?

Thanks,
-Ork.

If the info on your report is accurate, they do not have to remove it.

You can ask your mortgage company to remove it. Or, you can 'challenge' the accuracy of the information on your credit report. If, after the investigation, the 'bad mark' is shown to be correct, it'll stay on your report for seven years. Sorry.

First beg an plead with your lender to remove it.

Second check this out, if all else fails. I had a little blip due to a cell phone account that went bad that I co signed for and used the stuff this site has to offer and it was removed.

http://www.creditwrench.com/

I feel for ya man, the cost of textbooks is crazy. It's being done to support the academics that write the books. Nice little cozy network.

Anyway, too late for this advice, but you're almost better off to pawn something than be late for a mortgage payment these days.

As a student, you may have access to short-term emergency loans from the school. Even back in my ole schools days they had programs for these things.

Ken300D

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1982 300D at 351K miles
1984 300SD at 217K miles
1987 300D at 370K miles

Thanks guys. I think first I willl deal with the lender and see if they can be reasonable. I actually did not understand my bill the last time and just stuck with what I paid before. Yes, I am graduating from law school and I often do not understand my own bills. Sue me.

If that fails I'll amplify my position and/or seek assistance elsewhere, contest it, and see what happens. I don't want to adopt a "go to war" posture, but this really sucks.

I should have considered an emergency loan, but when your 2 weeks away from graduating, they don't like to do it. It can also screw with getting the degree if it isn't paid off.

Also, my mortgage company was just bought by another mortgage company. I had made partial payments before with no problem. The new company seems less keen.

By the way, why is it that insurance companies and mortgage companies both seem so, or are so, fly by night, storefront, taken over by somebody else, always changing names and so on, except for the huge ones?

Since there are so many mortgage companies now it is rumored that many companies are not letting known mistakes slip to damage credit which prevents the mortgagee from jumping.

I get free appraisals and closings and I can't count how many times I refinanced in the last 4 years.

Call you OLD company and describe the error, get some sort of a fax or email from them the more vague they are the better forward it to the credit reporting agency and that might do it.

It's all those damm Lawyers!!

Dave

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1970 220D, owned 1980-1990
1980 240D, owned 1990-1992
1982 300TD, owned 1992-1993
1986 300SDL, owned 1993-2004
1999 E300, owned 1999-2003
1982 300TD, 213,880mi, owned since Nov 18, 1991- Aug 4, 2010 SOLD
1988 560SL, 100,000mi, owned since 1995
1965 Mustang Fastback Mileage Unknown(My sons)
1983 240D, 176,000mi (My daughers) owned since 2004
2007 Honda Accord EX-L I4 auto, the new daily driver
1985 300D 264,000mi Son's new daily driver.(sold)
2008 Hyundai Tiberon. Daughters new car