First off, What is the best way to pay off a Lending Tree mortgage early? Many thanks for any answer. My other question... I found out that I had a 30 day late mortgage payment reporting as recently as Dec. 02. I knew in the course of the last few years (2000-2001) I had a couple of 30 day lates. I can deal with that.

This recent late is killing all my credit apps..

I called Homeside Lending (which is now Washington Mutual) and the CSR told me I was not 30 days late in December, that my payment posted on 12/27. I was sweating mailing it late due to the holiday mail etc but it obviously reached them before the 30 days I was so worried about. I told her it was reporting late on all 3 CR's and after looking at my account she tells me they have NEVER REPORTED ME LATE. EVER. I still think I've been late a couple of times, just not the 5/6 they're reporting..

She did fax me a letter to meet my needs of my loan officer for my refinance on my house but now I need to know how to get this off of my CR's..

I told her I had disputed the info with all 3 CRA's as never late and they all came back verified. She proceeded to tell me that was not possible - they couldn't have verified that. WHAT NOW???.

I do have a letter in my possession concerning the December payment and can send that on to the CRA but don't want to open another investigation as never late since we've been there, done that. Do I write a letter? Do I call someone at each CRA and find out who to send the letter to?? Threaten a suit? I was going to let the other lates go but now I'm really pissed and want to get these lates off of my reports..

Any and all suggestions welcome!..