150 days late on Mortgage

[BusDiva]

I used the credit score simulator from three different credit monitoring sites and my score decrease for on time payment on mortgage. The reason I am not paying the mortgage late is due to a current law suit. Due to the damage on my credit report I tried the simulator to see if it will improve my credit score if I paid on time. All the simulators are showing a lost of about 30 points. Is that accurate? Why is this? I thought paying on time even after late increase your credit score. Can someone please help?

[SE7EN57]

One late payment within the last few years will wreck even a perfect 50 straight years of paying mortgage on time in lenders eyes.

[BobWang]

[cv91915]

I used the credit score simulator from three different credit monitoring sites and my score decrease for on time payment on mortgage. The reason I am not paying the mortgage late is due to a current law suit. Due to the damage on my credit report I tried the simulator to see if it will improve my credit score if I paid on time. All the simulators are showing a lost of about 30 points. Is that accurate? Why is this? I thought paying on time even after late increase your credit score. Can someone please help?

 

I'm not sure why this would make sense.

[BusDiva]

So if I start repaying this mortage in the future my credit score will go down?

[mendelssohn]

It doesn't make sense that it would go down, but it is going to take a long time to recover.

[BusDiva]

Thanks, I am working on getting it removed.