Thanks for the reply! I figured out that I missed a drop down menu when viewing the credit report. So, the "late" mortgage payment was not the only negative. I also have 3 accounts that have gone to a collection agency. They are all for medical services for small amounts (<$100) and two of them are obviously the same debt. I am certain I paid both of these to the medical provider after drawn out disputes with my insurance. When I verify and prove through the medical provider that I did pay them, what is my next step to get them removed?
And, would these items be enough to deny me a credit card? Off topic but....The reason I applied for a card in the first place is capital one raised my interest rate from 9% to 15% for no reason but "..due to current economic conditions..." and would not even negotiate. I have a 12k limit with a current balance of around 2.5k. After trying to negotiate, they claimed I made a payment one day late and raised my rate to the default rate of 24%. I have never made a late payment in the 10 years that I have had the card and then they pulled this. I was looking to transfer the balance immediately. I was shocked to find out I could not get a card. Now I have to pull together some cash over the next few weeks to just pay it off and give these vultures more interest in the process. Argh!
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