I reviewed my credit report it's showin 1-30 day late for a month later than the other two CRA. I've aready sent GW to the CEO he won't budge, I wasn't aware when I sent the G W that they were reporting the wrong month. I'm a few days away from app for mortgage that has to be finalized by 12/1/14 I have a ballon land contract. Any help will be greatly appreciated. Thanks in advance.