Missed Mortgage Payment = Mortified FAST SOLUTIONS ?

I dont have a victim mentality but a perfect storm of stressful events screwed me up this year.

I had major death in family, an absuive exBF stalking me, 2 major surgeries and was let go form my job 2 months ago.

I also was dating another guy who went from mr perfect to a complete nutball a man wiht borderline personality disorder...

So i have been stressed and have sitll tried to keep on top of my finances.

I have a great new job starting january 1st, but kne wi would have to wokr temp job all december.

I did some side work and was due 3000 to pay bills. The person paying me has MESSED me up so much by delaying their payment for 2 weeks.

HENCE I have missed a Mortgage payment first time ever.

Called my mortgage company and they dont care.

The payment will be made within 30 days of due date though as long as the 3000 check come thru (it will cover two mortgage payments)

Im freaking out , should I worry about this hurting my credit too much ?

Missed Mortgage Payment = Mortified FAST SOLUTIONS ?

well any late payment reflects on your credit. Some of the creditors care less and some are really anal about reporting you. It%26#039;s just about how you judge the situation. a mortgage company should be able to understand the situation. And thus more lenient. If they%26#039;re acting like punks, just don%26#039;t mind it and pay what you can. you%26#039;ll be alright.

Missed Mortgage Payment = Mortified FAST SOLUTIONS ?

Nope. Life happens. And, perfect credit does you know good if you can%26#039;t afford to pay the creditors who are giving you credit lines.

Aside from that fact, anything you need to do that requires a credit check will also accept a %26quot;Credit Explanation.%26quot; Especially if you do not have a history of derogatories. It will only show as %26quot;Instances of 30 days past due = 1.%26quot; That%26#039;s really no big deal. As you said, your mortgage company doesn%26#039;t care, and they are the ones you owe. So, no one else is going to care. They just want to make sure they get their money. So, when you pay the mortgage, you can get request an update be sent to the credit agencies. Sometimes mortgage companies do it for automatically (mine reports to the agencies every 60 days). Ask them about it. If it%26#039;s still bothering you, you can also send in your own letter of explanation to have filed along with your credit report.

Missed Mortgage Payment = Mortified FAST SOLUTIONS ?

Really quickly here....you are late? How late? If your payment was due on the 1st and you pay it on the 30th...you will incure a late fee but no effects on credit report. The lender does not report you until you are 31 days past due on your payment.

Dont worry...stuff happens.

Missed Mortgage Payment = Mortified FAST SOLUTIONS ?

They cannot report you late unless you are 30 days or more late. See the credit system reports 30-60-90etc. So they cant legally report you late to credit companies unless you are at least 30 days. How can they report you 30 late if its only 25? So you should be ok