Is there a way to remove a delinquent mortgage payment mark on my credit?

My wife does the bills and apparently missed paying our house payment for the month of November. We payed it as soon as we found out but the credit report was already filed. I hear this is VERY bad! I've worked so hard my life to keep my credit squeaky clean and we actually planned on moving soon. Will this effect my interest rate dramatically? Is there a way to get this removed from my credit history? If so, how? I would be very, very appreciative with any help or suggestions. Thanks in advance!!!Is there a way to remove a delinquent mortgage payment mark on my credit?
1 30 day late will not affect your credit score dramatically, but it does kinda stick out like a sore thumb to lenders especially if you are planning to do something now. But if you are planning to move soon I would suggest you write a letter to the bank telling them you understand the importance of paying on time and mention how long you have had the account without any lates. You have the right to ask if they could not report the late on the credit report. You would need to speak to someone who has the decion making power to do this and then after you have negotiated the removal and got it in writing you need to challenge the late and the bank should update the info. All this should take about 45 days.Is there a way to remove a delinquent mortgage payment mark on my credit?
keep paying your mortgage on time for about a year, and it should go away, Just keep paying.
An accurate late payment on your credit report cannot be legally removed by you. You can plead with the lender and ask to have it removed.





If you try to remove correct information from your credit report for the purposes of improving your chances at another loan by lieing you are commiting fraud.





1 late payment will hurt your credit score, but if there are NO other marks on your credit it is not the end of the world.
No, you could not remove a delinquent mortgage payment from credit report. Are you sure that it was filed? You have to delay for more than 30 days after payment is due to get reported. Your future interest rate depends on overall credit rating: number of trade lines, credit limits, relations between current balances and limits... If it is only one negative record, you probably lost about 50 points from your score. However, with every next payment you will add 3-5 points. If everything stays the same you probably will be in the same level in a year. Although you need to keep in mind, that mortgage companies consider you mortgage payment history separately from credit score. If you get approved through Fannie Mae or Freddie Mac, there is nothing to worry about. If you go with ALT-A or subprime program, you will definitely have a hit on your rate (not dramatic for one missing payment) if you apply before one year from your late payment expire.
If its a one-time thing, it probably won't hurt too much even if they do report it. Just be careful not to repeat it and you'll be fine.
It probably won't affect your interest rate at all. Do you know for a fact that your lender reported to the credit reporting agencies? If you don't know, call them and ask. Either way, it's a one-time, short term delinquency, if it were over 60 days it might affect your credit. Relax.