Helping mom with Credit report and 30 days Lates??

[MidnightJester]

Just recieved my moms TU Free annual credit report. She has a 30 days late on her report from her home depot card. Its from 11/2007.. the rest of her Homedepot card report is good. It  seems on the TU report it is 3 blocks left till falling off. I should just not bother doing anything to fix that 30day late since it will fall off in 3or4 months anyway??

[Burned2manybridgesB4]

Leave it be. It's not doing anything to her.

[CrankyDave]

Doesn't the very fact that the account isn't showing as "in good standing" have an effect? I have two cards (of three) with one 30-day late on each dating back to 2007 and 2008 - but perfect otherwise - and my "Pays accounts on time" rating shows as F. I asked to get the 2007 late removed a few weeks early since it's due to come off in September, but I got the usual "We're required to report accurately" spiel.  I'm hoping to see a bump in the next month when that ages off.

[MidnightJester]

That is the exact thing. Even if the score negitive is 0 the sysytem and a underwriter eyes could still be not good I think. When she got a score from NFCU and reasons why they listed reasons why and it sounds like the 30 day late.When she got her free annual report it is listed as a "unsatisfactory" account seperate from her other accounts even though it is in current good standing and open. THat just makes a negitive pop even if the score negative is 0 or minimal.

My mom also has a 30day late from  10/2009 at lane bryant that wont fall off for 2 years and a month. I think I will they to make that one go away and let the homedepot auto fix itself in a few months.