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Mortgage app, LOE for late pays


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Posted by anon (216.23.19.20) on August 20, 2004 at 10:10:10:

Anyone have any ideas how to explain late pays on a credit report? I have applied for a mortgage, problem is, I have 7 30 day lates on a 22 month history on one loan, and 4 30 day lates on another. The real reason for this is that I totally screwed up my checking account (had hundreds in NSF fees), so I juggled for a few months on payments until I got my bonus check at work. Then I paid everything current. Problem is, I don't want to tell the bank I'm applying for a mortgage at that I screwed my bank account up so badly that it took months to straighten it out.

Any ideas?


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