approved for con. mort in may and now have 30 day late

[spursgirl]

Hi all, new here. I was approved for a conventional mortgage in May, with a credit score of 690. The seller backed out and that same week, I ended up needing to take care of an aging parent in another state; this was really stressful, and while I was gone, I made the unfortunate mistake of missing a payment with Carecredit. and now I have a 30 day late showing on my credit. It was a really bad oversight. Anyway, I am back in the market for a house again. I looked at CreditKarma and it says my score is between 639 and 665, which is a significant hit for one late payment. However, I checked a free Vantage score and it's terrible -- 587! My mortgage lender said he can work with the late payment, but I'm really worried that the loan will fall through because of this. Two questions: am I likely to get approved (I have 20% down), and what can I do to bring up my score quickly?

[scorch]

Write to Carecredit and try and get the late payment removed.

[spursgirl]

Definitely will try that! Have only been with them since October so I don't have a long history. I've heard that if I sign up for automatic payments they might remove the late payment, anyone know if this is true?

[DallasLoanGuy]

just have them run the file thru automated underwriting.

20% down cures a lot.