Well, Capital One wrote us a letter telling us that they went ahead and reported NT's late payment, so our phone call was useless.
Today the mortgage guy let me know that NT's credit score is currently in the 600s because of showing as being over 30 days past due on that account.
So he's going to try and qualify just AS and me for a refi. NT will still be put on the loan (if we do the refi) but will not be included on the qualifying info.
Credit score :(
February 1st, 2017 at 05:40 pm
February 1st, 2017 at 08:07 pm 1485979665
February 1st, 2017 at 08:18 pm 1485980290
February 1st, 2017 at 08:19 pm 1485980370
February 1st, 2017 at 08:26 pm 1485980770
February 1st, 2017 at 08:29 pm 1485980988