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As with car loans, mortgage lenders usually don’t report late payments to the creditbureaus until you’re more than 30 days behind on a payment. If you fall too far behind on payments, the mortgage lender may initiate foreclosure proceedings. How Many Late Payments Can You Have Before You Face Foreclosure?
While it doesn’t usually affect your credit score , you may want to correct information with the creditbureau if an employer you’ve never worked for is listed. Phone Numbers: You’ll see phone numbers associated with your credit accounts. Foreclosure. Garnishments. Civil judgments.
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