I haven't been to the forums in a really long time but I was a fixture here a few years ago when my credit was in the toilet, and you guys helped me get my credit back on track. I'm now a proud homeowner! I messed up last month, however, and I'm really hoping the brain trust here will have some good advice for me. Last year when I was caring for my ill brother I let my mortgage hit 30 days late a couple of times and it ended up on my credit report (no excuses, just context) and after he died I was vigilant to make sure I didn't pay my mortgage that late again. I've been paying near the end of month because that's when most of my clients pay me (for the record I almost always add $200 to my payments towards the principle). I know paying near the end of the month is a disaster waiting to happen, and a couple of weeks ago it struck. I was traveling and after midnight on 2/28 I woke up in a panic. I hadn't paid my mortgage. And now it was the 1st (because February). I jumped up, went online and paid it (another for the record, I went ahead and paid for March too so THIS month when I pay near the end of the month I'll be paying ahead and not almost late. I thought I'd caught a lucky break to screw up on the Feb payment because it WASN'T 30 days late. I paid on day 29. It just happened to be on March 1st (barely). Of course, today I get a credit alert and I see "Freedom Mortgage 30 days late." I thought maybe the payment didn't get credited for a few days, but I looked it up and they show both payments made 3/1.
So I called them, explained my thinking - the credit report is not accurate. It says 30 days late. I was not 30 days late. They say (in essence) you can send an email to customer support and/or dispute it with the credit bureau but once it reaches the 1st we call it 30 days late even if It's after February.
Are they right and am I out of luck? Does anyone have any advice for me on how to rectify this?