This is me; they never reported correctly. Said I was on time every month. I always check my credit. Never reported the actual amount I paid make up a number. Turned off paper notifications without my knowledge. I pay OVER 13 dollars every month. Paid when it was corona, paid after I got a notification I was forgiven. I thought I was ahead and was fine with paying late. Only found out about it from the credit bureau. I disputed it, and they reported 10 days later that I was late in June, when I paid it immediately when I found out I was late, so now it looks even worse. I am devastated. I had a 850 score, and now it is horrible. I may need to rent my daughter an apartment next year, too. They said if I had just paid 6 days earlier, I would have been fine. Wouldn't have known I was behind cause they don't tell me, but it wouldn't have been on my credit.
