Can a negative mortgage escrow be reported as past due on my credit report?
I found out after pulling my credit report that my mortgage lender was reporting me as $ 6,400 past due on December 31st when one of their agents told me on December 29th that all that was needed to bring my account current was $ 858. When I inquired last week about the reporting to the credit bureaus, I was told to send a letter to the research department. It was also suggested that I request a loan modification. Within a day after they sent the paperwork for the modification, changes had been made to my account history reversing payments made in December and not displaying payments made in January, and showing a negative escrow in the amount of $ 6,400. Needless to say, I haven’t submitted the modification paperwork. This reporting has caused my credit score to plummet. What recourse do I have?