Late Mortgage payment October 2013, will my credit score increase after October 2015?

I have a few late payments in a row on my current mortgage, the last one being on October of 2013. From what I hear, lenders are mostly concerned about the past two years. Now, after October 2015 will my actual credit score increase because of that??

mikelonggggggggg wrote:
so most likely 0 points?That's would I would expect. Anything more than that would be a blessing. The late payments are still on your reports and still weigh down your score... although the impact lessens over time... it doesn't vanish.

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Score Increase after 12 months of no late payments?

I have some late payments that are going to be hitting the 1 year mark. Will I see any score increase as a result of this? Any insight would be helpful!!! Thank you

I believe most people say at 24 months, you may gain some points back but if you want to see if you can get results faster, try goodwilling your lates.

Bought iMac in October 2013, will the upgrade for Mavericks be free for me?

We just bought the new iMac from www.apple.com. When Mavericks is possibly released later this month, will that OS update be free for recent iMac purchases? I realise this may have the Osborne Effect, so please feel free to ignore. Learned about this effect from CBC just this morning, so I'm trying to use it.
Thank you!

Apple has not announced information on the release date for Mavericks or information regarding free upgrades and the time of purchase requirements for computers. All we, as fellow users, can say is wait until Apple releases that information.
If past behavior is any indicator, purchases within 30-days have been given the codes for free updates, and at any rate, the updates have only cost $20 (US), not a significant amount.

HT5552 Apple decline payment method for apple ID (credit card VISA) after 2 weeks of active using it. And did it one more time

Few mothes ago I registered my Apple ID.Payment method chose credit card VISA. It allowed me to make purchases and download apps. But after 2 weeks it said that my payment method was declined and I have to register and pay 1$ once again. So I registered one more time with the same credit card, made several downloads and purchases and after 2-3 weeks the situation was the same. My payment method was declined. What is the reason?

Kateryna Malykhina wrote:
... My payment method was declined. What is the reason?
As this is a User to User forum no one here would know...
You need to Contact iTunes Customer Service and request assistance
Use this Link > Apple Support iTunes Store Contact

What has been your AU credit score increase?

Hi All! I'm just wondering what has everyone's score experiences been when they were added as an AU to some high limit cards. I was just added on to a families members two cards that they don't use or if they do, they PIF before statement cuts. The two cards I was added to were an Amex BCE at $20,000 limit and a Barclay AA Red Aviator card at $17,000 limit. These two card along with my two current credit limits will total around $40,000 in credit. I'm currently in the rebuilding process after completely ruining my finances during college. Current scores are EQ - 610, TU - 632, EX - 604. Thanks for the insight!

^^^ Thank's for the information. I know Amex is not backdating anymore, but I'm not too woried as my current AAoA as it stands without the two new cards is a little over 6 years. I'm currently waiting till September for my Cap1 QS1 credit steps to kick in. Hopefully I'll be among those who gets a $2-3K CLI....one can only hope I guess. I'll be in the garden till' at least next summer. I have no collections, but a few charge offs from Cap1 3 years ago that were completely PIF. Also have car loan and student loans that have never missed a payment in loan history. Hopefully my scores will start to increase here soon. Goal is get at least 2-3 cards with $5k+ Limit. Looking to have an Amex Everyday card, Chase Saphire, and Cap1 Venture in the future. More focused on travel rewards than cashback.

High credit score increase in one month after discharge

I was shocked to see my score went from a 500 something to a 677 in just one month after my discharge was complete. Everything on my account has been cleared except for two credit cards that I was an authorized user for which I included on my bankruptcy petition. I called Chase and they said they will remove both of the cards for me. My question is .. will my score hang around that level now if I don’t have any means of credit? I have a motorcycle loan that I signed a reaffirmation agreement for but I don’t think they are reporting to the three credit agencies anymore. I would like to keep my score somewhat fair because I will be getting an aprtment soon and possibly will need a used car loan in the near future.

NC84 wrote:
Karma ) :These are Vanage Scores and only a handful of lenders use them. Ficos are the ones that most lenders use and matter. You need to reestablish credit ASAP with 3 new revolving accounts even if you have to go secured. Welcome to My Fico http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/td-p/3846302

HT1918 Hello , I will like to change my payment information but my new credit card is not American , Is Canadian .How can i change the country on my billing info? I cant seam to be able to do it . Thanks a lot for your help ,

Hello ,
I will like to change my payment information but my new credit card is not American , Is Canadian .How can i change the country on my billing info? I cant seam to be able to do it .
Thanks a lot for your help ,

What country are you in ? If you are in the US then you can only use the US iTune store, and you can't use a Canadian credit card with the US store - a credit card needs to have been issued by a bank in the country where you are.
If you are in Canada then remove your old credit card from your account and then update your country/region and billing address on your account e.g. by tapping on your id in Settings > iTunes & App Store on your phone and 'view Apple id' on the popup, or via the Store > View Account menu option on your computer's iTunes

Installed Yosemite update on MacBook Pro retina late 2013 will not boot flashing folder with ?

I just Installed Yosemite update on MacBook Pro retina late 2013 will not boot flashing folder with ?

dunno, Lynn--maybe Etrecheck. trying running disk utility to verify the status of your hard drive. That may give you a basic idea. Perhaps tech tool pro. As for it running hot, I can't say for sure. try shutting it down and using a vacuum clearner +crevice tool around the back of it. It's been my experience that hard drives usually fail without a lot of warning, luckily you have a backup. Afterwards you can say "Yup, that went bad". I've done a little research and found out that your MacBook Pro doesn't come with a conventional hard drive as such, but an SSD (solid state device) . It's upgradeable (up to 1 TB ) but not cheaply
go here for more info (OWC) :http://eshop.macsales.com. For right now, I'd recommend resetting the SMC/PMU, maybe zapping the pram . to do that, reboot, hold down Apple+Option, P+R keys while rebooting. Hold down for 3 chimes, let go and let it boot. as for the SMC thing....
I'm assuming your battery isn't removeable-shut down computer, plug in MagSafe cable . On built in keyboard, on left side, press Shift-Control-Option and power button at the same time. release all the keys and the power button. press power button again to turn on computer
that is all
John b

30 days late on payment due date

I have a past due payment that has a due date of June 9th, 2015. On the day of July 9th, 2015, it will be 30 days that my account is past due. Questions: -If I make my payment to post on 7-9-15 (30 days late), will my account be in danger of being reported late to the CRA? Would it be recommended to have the payment post on 7-8-15 (29 days late) instead?-Once the account is 30 days late, is it automatically reported to the credit bureaus? Or do creditors still decide if they want to to work with the customer to bring the account current to avoid the derogatory mark?

I spoke with my creditor and they said that on 7-9-15 I will be 29 days late, not 30 days late. On 7-10-15 is when they will consider my account 30 days past due and they will automatically report this information to the CRAs. The creditor also told me I should be OK by making sure my payment posts on 7-9-15. I think it would be a better idea to have it post 7-8-15 just to be safe. Since my due date was on 6-9-15, on the day of 6-10-15 my account would be 1 day past due. According to the creditor's calculation, my account wasn't 1 day past due until the day of 6-11-15.

How will helping my parents affect my credit score?

Hi credit experts! First of all, thank you for taking the time to read my post. It means a lot. Here is my situation: My father is retiring at the end of August and my parents are planning to move up closer to me (about three hours away from where they're currently located). They already sold their house, and their closing date is 8/13. We approached a realtor to start looking for a house by me, but wanted to get pre-approved first. I had recommended an FHA loan to them because of their poor credit score (on credit karma my father has 585 and 593 and my moms is 638 and 601). The mortgage broker said that wouldn't be a problem due to their high down payment ($120,000), but they would need to have income in their new location coming in before they get pre-approved for the mortgage. As I mentioned previously, my dad retires at the end of August and will be receiving social security and his pension, however that will not be coming in until at least November. My mom is going to work up until she moves, and then get a job once she gets up to her new home. Therefore, they have no "current" income to report to be approved for their mortgage (because they need to be out by the end of September and my dad's first check won't come until November and my mom needs 30 days minimum of paystubs and even if she gets a job tomorrow, she will not have enough time before they need to move out). I talked to the realtor and she put me in touch with another mortgage broker who offered us the following option: - Purchase the home under MY name (fairly good credit, score of 750), and use their $120,000 as a down payment "gifted" to me. Then, when they move up here and my mom starts working and my dad gets his social security checks, have them re-finance the house and put it back in only their names. My question to you all is - how will this affect MY credit? Assuming they make all their payments on time (which they will). My main concern is that my fiance and I are planning on buying a home of our own within the next 2 years. I am worried this will affect my ability to get a mortgage for myself when the time comes. I would love to help out my parents, but I need to make sure it isn't going to ruin my future first. My main concern is taking care of my credit so that I'm NOT in the boat that they are in now. Any insight would be fabulous! The mortgage broker who suggested it to me said it won't affect my credit at all, but I want to get a couple other opinions before I committ. Thank you again!

I would not do what you are proposing - or more accurately what the mortgage broker and Realtor are proposing. What is the price range your parents are planning for their next purchase? Have you found a house or are you just researching at the moment? This is July 2015. Your parents will have income as soon as they move and your Mother gets a job and your Father's SS starts coming in Nov 2015.You are really only talking about 5 or 6 months gap here. A short term rental is a terrific way to fill the gap. There are a number of ways to handle this without involving you and your credit. If the LTV is low enough with the $120k down payment, your parents can get a bank statement type loan.They can rent a place for six months or so beginning now until your Mother's job starts and your Father's SS starts and then purchase. This gives your parents ample time to settle in the area, scout for a new home and get the right place.Or, if you have found a place, consider offering the seller an installment type purchase. $X down (not the $120k, a much small amount) $Y in rent/monthly payments and a close date in Dec 2015. There are sellers that will do that, but certainly it limits the inventory.There are risks involved from a tax POV if your parents gift you the $120k this year. Talk with a CPA. It is not wise for either of you to do this large gift - it is over the allowed annual limit and there is a gift tax. Get professional tax advice from a CPA so you have the most accurate info.

How to make a payment term as Default in Credit note in certain Sales Orgs.

Hello experts,
Kindly provide your valuable inputs as How can i make the payment terms( say AU00 =Due Immediately) default for a few sales organizations.
As checked, Depending on the type of Credit notes( i.e. WITH OR WITHOUT reference to an invoice), payment terms are used in credit notes processing. Also putting V in invoice reference field will make the payment terms calculation as similar to invoice.
But I need, that everytime a credit note( any type with /without Ref.) is raised in a given sales org., IT HAS TO BE DUE IMMEDIATELY i.e. payment terms must be AU00( Pay immediately).
Kindly suggest accordingly.
Many thanks in advance.

Hi Ram,
Thanks for the reply.
I hope you have seen the scenario- My requirement is to MAKE THE PAYMENT TERM AU00( DUE IMMEDIATELY) SPECIFICALLY FOR CREDIT MEMOS WHICH ARE RAISED UNDER SPECIFIC SALES ORG.
i.e. If Sales org X,raised a Credit memo( with or without reference to an invoice), THE CREDIT NOTE MUST BECOME DUE IMMEDIATELY.
I would be greatful, if you can suugest the path/procedure to achieve that. I have received valable inputs about the variant but I am seeking some hint in a CUSTOM Z TABLE creation with any User exit,that can Default this payment terms to CREDIT NOTE.
Many thanks in advance.

Too many payments taken for my Skype Credit

Hi I would like to know where I can report about 4 payments taken in one day eg May 23rd, 2013 for my Skype Credit account. Instead of only one payment of $40AUD being taken, there were four payments credited to my Credit Card. This should not have happened, and I usually only make one payment at a time? Can you please point me in the correct direction to report this? I would want 3 of the payments put back in the Credit card. Thanks in advance, regards Cheryl

for clarifications regarding those charges, you may need to contact customer service. Just click the link below for instructions on how to contact the support them. You can also request for a refund if preferred/applicable; http://community.skype.com/t5/General-Discussion/How-to-Contact-Skype-Customer-Service/m-p/431911
IF YOU FOUND OUR POST USEFUL THEN PLEASE GIVE "KUDOS". IF IT HELPED TO FIX YOUR ISSUE PLEASE MARK IT AS A "SOLUTION" TO HELP OTHERS. THANKS!
ALTERNATIVE SKYPE DOWNLOAD LINKS | HOW TO RECORD SKYPE VIDEO CALLS | HOW TO HANDLE SUSPICIOS CALLS AND MESSAGES

Didn't Apple say that those who bought a new iDevice after October 1, 2013 could also get iWork and iLife for free on Mac?

I thought I read that anyone who bought a new iDevice on or after Oct. 1, 2014 could get the iLife and iWork apps for free on their iDevice and the same Mac applications would be free for any Mac with the same iCloud account. I purchased an iPad Air in January and got those apps for free on it, but when I bought a used Mac locally I can't get any of those apps for free? If it is possible to get those iLife and iWork apps on my Mac that way please tell me.

Didn't Apple say that those who bought a new iDevice after October 1, 2013 could also get iWork and iLife for free on Mac?
No, they said if you bought a new iOS device on or after September 1, 2013, the iOS versions would be free. And if you purchased a new Mac on or after October 1, 2013, the Mac OS versions would be free. The Mac & iOS iWork & iLife apps are separate applications for two different operating systems. Unless you purchased a new Mac after October 1, 2013, you will have to purchase them for your used Mac.

Hi my case numbers is 30758085. I just try download apps store on my Verizon iPhone 4 but they keep ask me billling payment so I use my credit card but keep said wrong security codes so I check my apple itune balances said I owe itune 22.00 dollars

Hi my case numbers is 30758085. I just try download apps store on my Verizon iPhone 4 but they keep ask me billling payment so I use my credit card but keep said wrong security codes so I check my apple itune balances said I owe itune 22.00 dollars but it not my apps download on my phone I always get free apps Download

Please don't post case numbers or other personal information here. None of us here (who will respond, anyway) work for Apple; we're all just fellow users.
Anyway, as regards the security code issue, this may help:
http://support.apple.com/kb/TS1646
and as regards the balance, first make sure you didn't make any in-app purchases. Many "free" apps, particularly games, have additional levels or features that cost money. Check your purchase history in your iTunes Store account and see what you're being charged for.
Regards.

My MacBook Air 13' (2013) will occasionally start the fan at full blast, not connect to any wifi or detect any wifi, and will remove the battery icon from my menu bad as well as tell me there is no battery connected. How do I fix this?

My MacBook Air 13' (2013) will occasionally start the fan at full blast, not connect to any wifi or detect any wifi, and will remove the battery icon from my menu bad as well as tell me there is no battery connected. How do I fix this? I have restarted my computer multiple times, **** it down, and ran a diagnostic test to tell me nothing is wrong and my computer is not running any applications. There is no reason for the fan to be on full blast! when I try to set the option to show my battery icon in the menu bar, it will automatically uncheck. How do I fix all of this?

Have you tried SMC and PRAM resets?
http://support.apple.com/kb/HT3964
http://support.apple.com/kb/ht1379
Ciao.

Late Mortgage payment October 2013, will my credit score increase after October 2015?

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