No. of Recommendations: 0
When they are approving the mortgage they MAY ask for an explaination of the late payments. At that time explain that late carpayment happened when the paperwork got hung up on the automatic payment. The late credit card was I lost the check under the couch etc. Since you have no debt the lates should bite you too bad. It is a good idea to close most of the credit cards so that you don't have $50K of available credit line. Call up the credit company and ask them to close the account and to send you letter stating the account was closed at the OWNERS request.

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