I had never missed a mortgage payment for the 5-year loan. always on time. Except for the last month of April, I was going through medical issues. I forgot to make the April payment. I found that after I made my May 1 payment. I brought my account up to date.
I wrote the lender a goodwill letter to prevent showing on my credit report. They denied my request. I had AP for 1 year, but the lender paid my mortgage 2 days before, which affected my account. I stopped AP for that issue. Our exceptional credit dropped 90 points. I am ready to buy a new home. I may be afraid to be denied. My score was 850 at least.
I contacted Experian to help, denied it, too.
Thank you