Capital One/Kohl's CC

[Cheryla18]

Sorry.......in my previous post i said I was an authorized user...I double checked and I am actually Joint on this Acct. It has been closed for a year or two...but my mom who is primary is  the one who gets the bill  and she lives in South Carolina and I am in Kansas. I asked her a few years back to put me on her acct to help boost my score. I had went thru her credit report and got disputed a few items that hadn't fallen off yet that should have. Anyways she has been paying on this acct and has always been on time...until just last month...I got an Alert saying it was 30 days past due. Regardless of if it is accurate or not ( I haven't had a chance to call her) I really need to get this late removed. I am working towards getting my financing for a home loan. 

 Has anyone had success with get a 30 late removed from a Capital One/Kohl's card......I know this is a dept store card...so I don't know if the other post about Capital One would pertain to this.

Thank You

Cheryl

[LIGHTNIN]

  First thing to do, talk with mom to find out what happened.  

See if it was a mistake, missing the payment or something else, like money problems.

You may want to think about the following......

Since you are going for a home loan,  keep an eye on the CC and if she doesnt make a payment, go ahead make the payment on time.

[DaBears]

Captial One is pretty tough to get a GW done!!! I had a old auto loan with them and tried to get a 30 day late removed. I gave up.