Chapter 13 converted to a 7 1 month past discharge mortgage reported a 30 day late payment on my credit report

so you made your payments the the lender directly and not through the trustee? Contact lender and try to figure out issue Dispute the late payment with credit report if u made mortgage payments thru the trustee then sometimes they are late and what hapend with he $$ she had when case was converted? That $$ may go back to u (and not he lender) hence the gap

If your payments were made to the trustee, there is frequently a time period when the trustee just takes in $ and does not disburse due to issues related to setting up the case and or confirmation of your case. that may explain why the late payment is being reported. Other issue is that if you converted to a 7 your personal liability for the mortgage was discharged, unless you reaffirmed the mortgage, which is relatively rare, in which case, I think the mortgage debt should not really be reported at all.