I disputed the DOFD on my mortgage which was foreclosed and set to fall off in March. Ocwen corrected the DOFD but also reported its 120 days or more delinquent as of Oct 16. The balanced owed is $0. It tanked my score because it went from an old foreclosure to a current past due account. Can they do this? If I don't owe them anything how can it be delinquent?