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I have had a car loan with Rockland Federal Credit Union since August 2016, and my payments are due by the 15th, but after that date I can pay a small late fee of $10. I usually pay my car payment the last week of the month, but I always make sure to pay it by the 28th because I only get paid twice a month, so I have to stretch it out. This had been working for me with no issues for two years. I’ve been able to make my payments before it’s reported as 30 days late, until this past February.2018. I paid it on the 28th over the phone like I usually do, but the payment didn’t actually post to my account until March 1, so now it’s being reported on my credit report as 30 days late? When I called to make my payment I had asked the customer service agent about the February being a shorter month thing, and I even said maybe I should go pay at the branch instead-but they said it was technically only 29 days late on March 1st, not 30, so therefore it would not be reported as 30 days late and I would be fine. Well, they lied to me because it is being reporting as 30 days late as of March 1st! I woke up to an email alert from Credit Karma that my credit score has changed? I opened it and I fell off my chair! I had dropped almost 100 points thanks to RFCU reporting a 30 day late payment on my loan- on March 1st! They didn’t waste any time, it was there right at 8am . Is it legal, and is it actually 30 days late? I’ve already tried to dispute this three times, twice through Credit Karma, I request a one time Goodwill change directly to RFCU, and again just recently in June over the phone with Experian, but RFCU has still not removed it. This is wreaking havoc on my credit scores, and I’m trying to get a mortgage, which has been virtually impossible to get now because of this late payment showing up on my credit reports. So my question for you is, do I have any leg to stand on whatsoever to fight this February 28/30 days late payment mistake from being removed from my credit reports? I really need this to be gone, but please, before you say anything to me about not paying so late in the month anymore, being more responsible etc., I really don’t have any other options financially, this is how I have to manage my money to be able to feed my teenage children and pay other bills on time as well. My first check goes to rent and alll of my utilities, plus food shopping and other household essentials, the second half of my check goes towards everything else, including my car payment and car insurance.. I asked RFCU Bank if they would change my due date to the end of the month for me, but they said no, so this is what works best for me-even though I end up paying $10 more sometimes,but that’s ok . Is😡😱 there anything else I can do to have this damage removed?