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Next, you should write a letter of explanation that and include it in your application for the underwriter to review. This letter should include a thorough explanation of why you missed a payment, what you've done to remedy the situation, and how you've managed your finances since the late payment occurred.

?Derogatory? is seen as negative to lenders, and can include late payments, collection accounts, bankruptcy, charge-offs and other negative marks on your credit report. This can impact your ability to qualify for new credit.

If the creditor stands by the reported late payment, it won't remove or update the information. But if it agrees that the information is incorrect, the creditor has to tell the credit bureau to update or remove it.

Creditors can't report a late payment to the credit bureaus until 30 days past due. However, you should know that any late payment will stay on your credit history for 7 years. The credit hit gets worse the more you push the payment back.

Customers with utility company complaints may contact the Maryland Public Service Commission at 410.767. 8000 (Toll Free 1.800. 492.0474, TTY 1.800. 201.7165) or the Maryland Office of the People's Counsel Toll Free at 1.800.

The Consumer Complaint along with all the copies should be paginated and duly indexed in the following seriatim: Index. List of Dates. Memo of Parties (with fresh complete addresses & telephone no.) Complaint with Notarised attested affidavit. Supporting documents in favour of complaint e.g. receipt, voucher etc. (