Not an expert, but and new here as well, but if you have never been late (30 days+) on these I would call and explain the situation and ask for a one time courtesy removal. Take notes of who you speak with and what call center they are out of if they agree. Also, make sure you watch and if not removed in 30-45 days call back. I am stuck with a 30 day from 2010 that they were supposed to remove. I emailed the lender several times in 2010 to get it corrected, which they never did, and I no longer have access to the email account to show evidence they agreed to remove. My bad, but a lesson learned. Documentation is always key if you ever have to get to a dispute status.
