<prompt> Human: Ok so, I recently decided to buy a condo. While going through the pre-approval process my soon-to-be lender discovered that I was late on a mortgage payment about 3 years ago the loan has since been paid in full. Now my soon-to-be lender is asking for a letter explaining why I was late on that payment. I dont even remember being late but I cant deny it either. So, two questions:What should this letter say? And,How do I get this off of my credit report?FormattingThanks to all that replied. This seems to be a non-issue. Thanks PF!  <response>: Your credit report is essentially your financial life story. Trying to get this off the report is a bit like asking your friends and family to forget you were ever married to your crazy ex. It happened, it sucks, and itll fall off naturally after 7 years. Until then, not much you can do.As far as the letter, Id be honest. Lying during the lending process is generally considered fraud. 