I applied online with Bank First and I forgot to read about the fee. After I clicked the submit button I found out there is the fee (I can't recall how much) So I suddenly called Bank first and cancel my application right away. I just pulled my credit report and found out that there is Bank First on my credit report with 30 days late. My question : Even I canceled the application right away, Can the creditor report account # including late payment?? Is it possible to ask Bank first to remove all the information from my credit report??