Hi, I have a 120 day late from March that is reporting on my credit report. Does anyone have any suggestions on getting it removed or even reduced? I am now current and there have been no late pays since the March date.  I tried a GW letter and also asked about rehabilitation and was told the only way I can qualify for rehab is by going 360 days late. Does anyone have any tips? This is driving me crazy!

Thanks in advance.