i paid 2 payments at the begining of my mortgage to always be a month in advance

but they reported a late payment on my credit. is that legal if im really ahead on payments

1 Answer

Hi Mike, This is going to boil down to how that initial payment was credited. Unless you designated it as paying a future payment, it may have been posted as additional principle payment, or posted to your escrow account. You need to contact your loan servicer, ask for a payment history (which will show what payments were posted on what dates). If the payment wasn't posted as you intended/instructed, you may be able to get the servicer to correct your credit report, but that will entail convincing someone in management that they didn't correctly credit the payment.