[sparkyg]

I was recently denied a credit card, so I took a look at a free credit report from Equifax. My report shows one negative account. It was my last mortgage which was paid off when I sold my house. The account shows "pays as agreed", but they show one late payment of >30 days. This happened because I had a buyer not show up to close on the sale of the house (which was set to happen before my next payment was due). Because they did not show up, I missed the due date. When this happened, I called the mortgage company and explained to them what happened and I sent two seperate payments to them when the next payment was due (one for the missed month and one for the current month). I sold the house a few months later, the loan was paid and closed and everything was fine - I thought. I have nothing in writing from the mortgage company that shows they agreed to take the payment on the next due date. Is there anything I can do to remove this.

Account Number: 685266XXXX Current Status: PAYS AS AGREED
Account Owner: Individual Account. High Credit: $87,400
Type of Account : Mortgage Credit Limit: $0
Term Duration: 30 Years Terms Frequency: Monthly (due every month)
Date Opened: 05/2001 Balance: $0
Date Reported: 04/2007 Amount Past Due: $0
Date of Last Payment: 03/2007 Actual Payment Amount: $0
Scheduled Payment Amount: $1,005 Date of Last Activity: 03/2007
Date Major Delinquency First Reported: Months Reviewed: 66
Creditor Classification: Activity Description: Paid and Closed
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: Type of Loan: Conventional RE Mortgage
Date of First Delinquency: N/A
Comments: Freddie Mac account
81-Month Payment HistoryYear Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2007 * * *
2006 * * * * * * * * * * * 30
2005 * * * * * * * * * * * *
2004 * * * * * * * * * * * *
2003 * * * * * * * * * * * *
2002 * * * * * * * * * * * *
2001 * * * * * * * *