<prompt> Human: Title of the thread says it all. Ive been paying my mortgage every month with bank statements to back it up but I just got this letter in the mail saying Im past due. I tried calling the customer service line but the lady said she couldnt do anything and I have to speak with a Default Specialist.What can I do about this and will this affect my credit score? If it does affect my credit score is there a few for me to appeal? The mortgage servicer is Cole Taylor Mortgage, if that makes any difference. Edit 1Called the default specialist. At first things were going well enough, she acknowledged their mistake, etc. But she put me on hold and the call was dropped. I called back and got a different worker who said there were no notes on my case file and refused to transfer me. After 10 minutes of her saying I was lying about the first call I hung up. From the first call I found out they did report me to the credit bureaus. Besides dealing with the bank how can I get my credit report fixed?  <response>: Frustrating though it may be, forget the call that got dropped. Youll need to call fresh and start over. The facts havent changed, so you should end up in the same place. They will have no choice but to eventually admit you have been paying and are not in default. If theyve already reported it, as they indicated, it would currently show up on your reports. You need to contact the credit bureaux and contest the default. Once the mortgagor has fixed their internal issues. They will need to retract their incorrect notice of default.This is all fixable, but it may take a little time and mental energy. 