credit company requesting explanation?

Submitted by Anonymous (not verified) on Thu, 03/10/2011 - 18:59

My husband is applying for a mortgage for our new home. He has very high credit scores. Today, our loan officer sent us a sheet of paper saying that Experian wants to know why we had a late payment (30 days) 2X on a car that was paid off three years ago?? We honestly don't remember, but why does it matter- the car was paid off??? So.. bottom line we would like to know what to put there so that we can still be guaranteed our loan!!
thanks for any help in advance