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