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    <title>topic Orchard Bank - 30 Day Late Payment in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Orchard-Bank-30-Day-Late-Payment/m-p/564100#M81241</link>
    <description>&lt;P&gt;Hi,&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I have a 30 day late payment on my CR with Orchard Bank that occured 2 1/2 years ago. I've never missed&amp;nbsp;a payment other then this one. I honestly don't remember being late but I wasn't nearly on top of my bills as I am today.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I called (via backdoor#) to see if he can change it to an on time payment, the rep said he would like to help but only obligated to report the last 2 years and there is nothing he can do and was shocked that this showed on my report because of the age.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Can I do anthing about this? I would like to get this removed if possible. Any advice is appreciated.&lt;/P&gt;</description>
    <pubDate>Fri, 28 Aug 2009 17:56:44 GMT</pubDate>
    <dc:creator>Sean28</dc:creator>
    <dc:date>2009-08-28T17:56:44Z</dc:date>
    <item>
      <title>Orchard Bank - 30 Day Late Payment</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Orchard-Bank-30-Day-Late-Payment/m-p/564100#M81241</link>
      <description>&lt;P&gt;Hi,&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I have a 30 day late payment on my CR with Orchard Bank that occured 2 1/2 years ago. I've never missed&amp;nbsp;a payment other then this one. I honestly don't remember being late but I wasn't nearly on top of my bills as I am today.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I called (via backdoor#) to see if he can change it to an on time payment, the rep said he would like to help but only obligated to report the last 2 years and there is nothing he can do and was shocked that this showed on my report because of the age.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Can I do anthing about this? I would like to get this removed if possible. Any advice is appreciated.&lt;/P&gt;</description>
      <pubDate>Fri, 28 Aug 2009 17:56:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Orchard-Bank-30-Day-Late-Payment/m-p/564100#M81241</guid>
      <dc:creator>Sean28</dc:creator>
      <dc:date>2009-08-28T17:56:44Z</dc:date>
    </item>
    <item>
      <title>Re: Orchard Bank - 30 Day Late Payment</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Orchard-Bank-30-Day-Late-Payment/m-p/564110#M81244</link>
      <description>&lt;P&gt;1 late pay will not hurt as much after the 2 year mark. You can mail a GW letter.&lt;/P&gt;</description>
      <pubDate>Fri, 28 Aug 2009 18:10:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Orchard-Bank-30-Day-Late-Payment/m-p/564110#M81244</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2009-08-28T18:10:33Z</dc:date>
    </item>
    <item>
      <title>Re: Orchard Bank - 30 Day Late Payment</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Orchard-Bank-30-Day-Late-Payment/m-p/564115#M81247</link>
      <description>Thanks HappyDays. I'll mail it out today</description>
      <pubDate>Fri, 28 Aug 2009 18:16:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Orchard-Bank-30-Day-Late-Payment/m-p/564115#M81247</guid>
      <dc:creator>Sean28</dc:creator>
      <dc:date>2009-08-28T18:16:01Z</dc:date>
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