I am looking for info for Express to remove 2 lates on a card that has been paid off for 2 years and hasn't been reported since then. I am applying for a mortgage in about 90 days and I am trying to get my credit in the best shape as possible from rebuilding in 2008. Also does anyone have information for the Credit Protection Association? Any information will help. I've email the info email addy for CPA and mailed a letter and got no response so far.