I have a question about a delinquent payment that i was alerted to today with scorewatch. In January I received a call from my mortgage lender that my payment was late. I knew that my next payment was not due until Feb. When I researched all my records I found that I was right and that I was not late. When I called my lender back it was found that what was due was only a $24 dollar late fee that had accrued over the last year. The guy I spoke with told me that as long as I paid this late fee with my next payment that everything would be fine.
I recieved the alert that my credit score had dropped 58 points in one day. I purchased a new report to see what had happened and this lender has reported a delinquent payment of more that 30 days on my report. The amount was for the full monthly payment that was paid on time. I contacted this lender and spoke with the guy I had originally spoke with. He said that he didnt knnow what had happened and what could be done about it.
What can I do to have this removed from my credit report? Would just the $24 be considered as a late payment as well?I have been monitorig my credit for about a year and have finally got my score up and now this happens. Any help would greatly be appreciated.
