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Flustered1

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Bad builder left us homeless homeowners, late mortgage ruined credit
My family got into a 7 year lawsuit with the builder of our home (We heard he was trying to run us out of money so we couldn't make it trial) as he intentionally concealed major stability/structual defects with the home prior to selling us the house. We became homeless homeowners struggling to pay $68,000.00 in expenses to get to trial. We tried to work with the mortgage company as we fought as long as we could to pay for the house while not be able to live in it (home was deemed unsafe...falling off a steep embankment), but they disn't have any programs for our situation. We have finally won in court but the mortgage being 90+ days late has ruined my credit. The home was since paid off (though it's worthless) but we are still left with terrible credit. Is there anyway to get this removed?

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If the late payments are at least 2 years old, they are no longer part of your credit score.  Getting it removed won't really do anything as far as your score goes.  However, you can send your court docs showing you won the lawsuit to the credit bureaus and tell them to remove the late payments and see what happens.  

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