it seems that the bank "cutoff" the payment from that days transactions .... they have reported me currently 30 days past due.. I disputed with EXP as not mine, they verified. here's the issue... EVEN if they want to say 30 days late, it was paid on day 31!! so by verifying, they verified incorrect information... because it is NOT currently 30 days past due. that is what is really killing my scores. fastest, as well as easiest ways to delete???