The budget was a little short this month, so I had to pay the mortgage late. The payment had to be submitted by 8 PM in order to be considered received this month. I totally spaced, and didn't pay until after 11 PM. Now the payment won't reflect as received until Jan. 3. So I'm going to get hit with a 30 day late. On the mortgage, no less. Of course, this comes as we've decided to look into buying a new car. Is it even worth trying to get this hit on my report removed? Any advice is appreciated.