I have owned this house since 2003, and never had a late payment to my knowledge. My CR shows a late payment in 4/16. Mortgage has since been sold to another servicer. I called today and they said that the payment was late. They are going to send me a copy of my payment history. I have no memory of this or idea how it happened, but according to the rep I spoke to, it was my error.
Do I have any recourse? Will a mortgage company make a goodwill adjustment? Should I ask them to delete the whole two years of the mortgage from my credit report? Can they even do that?
I would appreciate any advice or help. I was hoping to refi and now my credit has taken a huge hit!
Yes, you have recourse. Show them the payment you made was on time. I assume you either have an ACH transfer from your bank account to the mortgage co showing the date the payment was collected or you have a cashed check showing the payment. For a 30 day late to show, it has to be paid beyond 30 days.
If this "30 day late" is a result of the servicing being transferred from one lender to another and the late payment shows in a 60-day window, then the late can't be reported even if true - at least according to RESPA (REGULATION X)
If you don't get cooperation from the servicer, file a CFPB complaint immediately.