I have one too. Unfortuneately, from what I understand is that we are out of luck. It will stay on our report for 7 years and there is no way to remove it. I am not sure though how to tell what date it is supposed to fall off. DOFD still? If anyone has any tips I would love to know too. I feel your pain fan4ellen. Welcome to the forums.
I think you're pretty much stuck with this on your credit report. I've never heard of one being removed. If you haven't paid for your mortgage, I doubt they're going to be willing to remove it from the bureaus.
First date of deliquency. Go back through your history and determine the very FIRST time you made a payment late! You must inforce this issue.....or the years just keep going and going..Dont trust them to report it correctly.
