@GApeachy wrote: " ... It's not like you can put an explanation as to the why's/how's on your reports but.... Since you cannot make your own notes on your cr's ... "
Actually, you can make brief statements on your report! So that's the good news. 
The bad news is, that lenders may not read it or take it into account, and it won't affect your FICO score. 
But you are allowed to do it.
"Under the Fair Credit Reporting Act (FCRA), you have the right to attach a personal statement to your credit report. It isn’t much (just 100 words, or 200 words in the state of Maine), and it has no numerical value in the formula that generates your credit score.
However, a personal statement allows you to explain the circumstances behind the negative information or to dispute information you feel is incorrect although a creditor has verified it as correct. This statement will be included each time your credit file is accessed. You can add a statement to your credit report by sending your statement in writing." (from Equifax)
Remarks can be either account-specific or general. The general statement stays on the report for two years but the account-specific is deleted when the account is deleted. So be careful about making potenially negative general statements that may stay around after a particular account in dispute is removed.
@CardsLifeLine wrote:Over this weekend, a 30 day past due has been reported on my all credit reports by TD bank [ Target red card].
Sorry to hear about your bad experience with TD Bank and a 30-day late. I wish I had better news. I had a somewhat similar situation many years ago. I wrote Goodwill letters twice to different people to try to have it removed. They adamantly refused. Articles I've read online say that GW letters usually work more than 50% of the time, especially on a first, minor offense. But TD Bank is very customer-unfriendly and conservative. Still, I would try the GW letter approach.
The good news ... that 30-day late won't affect your score nearly as much as a more severe late and it will quickly lose it's punch over a few years. My scores have been over 800 for the past few years, as high as 850 even. The bad news ... it won't be automatically removed until seven years has passed. Mine is finally coming up on it's statute of limitations and will fall off in January 2020, with their help or not. Good riddance, late pay and Target stores. Their loss. Yes, my card is now closed and I refuse to shop there anymore, with or without their card. There are plenty of other options.
I'm not saying I was not partially at fault in the situation. But they had a very real role too, in my opinion. And then they were just very unempathetic and unforgiving, compared to other FI's I worked with on similar situations. As soon as I realized what had happened, I paid them in full immediately, not just the minimum payment but the full balance of over $200. It was a brand-new account and there was a miscommunication. They refused to excuse interest charges. They refused to excuse the late charge as a one-time courtesy. After I continued to use the card, set up auto-pay, and PIF to show accountability and use of the card, and let some time pass, they still refused (twice) to remove the 30-day late.
So try to get it removed, but I wouldn't expect much from them. They dont' care about their customers and it's very evident. I was a 30-year customer and drank the kool-aid. They aren't what they seem.