I have been in the process of rebuilding my credit for a little over a year now. I had gotten to the final stages of all disputes and I was left with 2 old negative items on my credit report. In the process of this I received a copy of my updated credit report. I was surprised to see that I now have a 30-day delinquent being reported on my mortgage. This is a joint account. I had no idea about the mortgage being late. How will this affect my ability to get any credit cards in the future. I was trying to move from the sub-prime world to the prime world of credit cards. Does this type of mark mean that I have to wait another 7yrs???? I am really sad now. I feel like all that work has went down the drain for nothing. Thanks to this board and many others I have been able to remove a lot of information from my credit reports through disputes. Someone please advise on what I should do next. Thanks
