Asked by Diane Smith, Sanford, NC • Sat Oct 23, 2010
I purchased a house for an investment prior to real estate crashing. I finally got the house sold (June 2010); however Bank of America offered my a reduction in my payment that I accepted. I did so not knowing it would appear "late on my credit report". I have a credit score now of 667, sold that house in June 2010. I have been pre-approved for a 200,000 (FHA or conventional) mortgage and I'm putting down 20% down. The Banker said that she did not know what the automatic system would do when it saw the late payments back in June. And if so I might could explain it. That bank is BB&T. Is there any bank that would approve my loan if it shows me late back in June (I was paying the agreed about that Bank of American offered and on time, the interest they waived; however, it made me look like I was late). I
I wished I had NEVER took the advise of Bank of America.
Thank you for your help! I am so anxious over this that it is sickening to me
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