You work directly with your creditors to clear up credit issues. When you have a correction, get a letter from the creditor that you can then submit to all three credit bureaus to update your credit score. Important items to note about your credit report include:

-Late payments are generally categorized as 30, 60, or 90 days late

-The more late payments there are, the lower your credit score and the less favorable your credit looks

-If you have previous mortgages on your credit, lenders carefully scrutinize this to see if you were timely on these

-Some lenders restrict certain mortgage loan programs to people with