good will deletion

It depends on the lender, but in my experience, probably not going to happen... I had a Chase Mtg. payment that my wife said she made, and when I looked at the account on the 30th of the month, I had seen that it was never deducted.. I went into a branch to see what happened, and turns out she never made the payment, so I made it right there.. On the 30th... they showed me 1x30 on my credit report.. I went round and round with the bank employee, and continued to escalade up the chain from one supervisor to the other.. They never deleted the late payment.. I had been with them for 14 years, 5 mortgages, 8 car loans, credit cards, savings and brokerage account, etc... Needless to say, I am no longer with them... Your lender might tell you that "it's illegal for us to remove it".. Or something like that.. All lies. If they choose to report, then what they report has to be accurate, but they don't have to report if they choose not to.. So they can remove it If they want to, but, again, they probably won't.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Not likely at all to happen at this point...if you had contacted them at the point where you were late they probably would have cut you some slack as a one time act of good faith but probably too late now that it already reflects on your credit.

All you can do is try. But don't get your hopes up. Good Luck!

Of course you can ask, but don't be surprised if they say no. Also, DO NOT in any way let them get the idea you are looking to refinance. If you do, they will tell you NO, for sure. If you are refinancing under HARP, then the one missed payment shouldn't prevent you. You are allowed one 30 day late in the last 12 months, and none in the last 6. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

I would not think this could be done. I have never seen this done. Thanks and good luck HParki

I have only seen in one instance where a client of mine was able to get this removed. Odds are against you.