Hello and thank you for the opportunity to assist you. There may be a slight delay between your follow ups and my replies as I am typing out my answer. Please remember that this is general information only, not legal advice, and no attorney-client relationship is formed.

I am very sorry for your situation. No, this is not thirty days late (still late, of course). However, because the difference can lower your credit a few more points, you may wish to file a credit dispute. This is easy to do, and you do this by sending a letter. See here:

http://www.debt-n-credit-letters.com/Report-Dispute/credit-report-dispute-letter-1.html

It is important to include proof of payment and when it was due with your latter - let me explain why:

The credit bureaus will then require the creditor to supply their version of the matter. If the creditor does not answer the request in 30 days, then your credit history will be updated per your request to include whatever you wanted. If the creditor does respond, then the credit bureau will make a decision as to whose story is more credible, and since they are not denying that you paid the debt, chances are that the credit bureau will rule in your favor based off the proof that you provide.

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