Once your status was updated, did your score change? I'm going through a similar process. I cleared my credit card to £0 a few months ago but didn't notice that some interest was still to be calculated (the card had been locked away, and not used) to the amount of £8! I never expected to have to pay anything so missed a payment. Result is that this has declined my mortgage application. My fault, and I acknowledge that. Since set up direct debit for minimum amount. Anyway, I spoke to my credit card company tonight, and they said that a letter will be sent to the credit score organisation, to say that my previously defaulted account is now fully settled, similar to yourself. I understand that my score will then change to reflect this, although I don't think the late payment notice can be removed as such. This is the only late payment I have on my credit file, and I'm gutted it's put our house move at jeopardy. I'm hoping my score will be changed back to excellent.