21ST CENTURY MORT CORP 21ST CENTURY MORTGAGE CORPORATION CHARGES 10.75% ON MY LOAN AND THEN DOES NOT REPORT TO CREDIT UNION. WILL NOT REVIEW TO LOWER % KNOXVILLE Tennessee **Author of this Report is NOT CONFIRMED**

You stated the following.

People always want to make it about because you are on Disability.

Actually it was YOU who brought this up, if you didn't want to make it about being on Disability then why did YOU bring it up.

You stated the following.

they do not have an on line page, no place to see your payments. balance or any part of your mortgage.

Actually it took about 30 seconds to find their Online Account Access Page

https://www.21stmortgageonline.com/access

They did move my due date for me after some time but would not take the two they had submitted. my point is they only send in bad or negative to the credit bureaus, they do not have an on line page, no place to see your payments. balance or any part of your mortgage. No, this was not told to me on closing and I was told they report to the Credit Bureau; it just happens to be for negative; not positive. It has nothing to that I am disabled, they are just not the company you want if you want up to date info on your business with your mortgage. People always want to make it about because you are on Disability. I worked and loved it for 31 years and then had 4 strokes in all less than a year and then was put on Disability. I did not know any of this before I got my loan. Thank You.

You seem to be a bit confused about Due Dates.

Your payment is due on a specific date, if you pay it after that date you are LATE.  Now, most Mortgages have a period of time before they assess a Late Fee.  In your case this is 10 days.  But this does NOT take the fact away that you are paying after the due date.  

There is no such thing as a "2 Day late notice" to Credit Reports, the first negative mark that can appear on your Credit Report is a 30 day late payment.  

It is also very unlikely that they are calling you for being 1 day late.

As for you being late because you are on disability.  The 3rd Wed falls anywhere from the 15th to 21st of each month.  If your payment is due on the first you should be anywhere from 9 to 16 days EARLY.   Well that is unless you are trying to pull the typical "Entitlement" attitude that since you don't get paid UNTIL the 3rd Wed everything due that month before that date the company just has to accept the payment when you decide to send it.

I wonder what the rest of the story is here.