On the XXXX Mortgage Account, there should be a comment/status that when the mortgage was adjusted under the HAMP program, THE LATE PAYMENTS ARE NOT ACTUALLY LATE, but a direct result of paying the LOWERED MONTHLY PAYMENT ON TIME and NOT paying the original coupon amount. THERE IS NO WAY TO AVOID THIS due to the way the bank/program is set up. 
On the XXXX Account : It should NOT be included in AVAILABLE CREDIT or CREDIT USAGE. It has been CLOSED for YEARS! It 's counting against me in several categories.