We had a HELOC ( Home Equity LOC ) with a company called " Specialized Loan Servicing '' ( SLS ) for ten years, which was paid off in full per their terms ( ten years maturity ) XXXX 2015. Our new lender and myself were in constant contact with representatives from SLS on the pending closing of our new mortgage. SLS was informed that the closing might happen a couple of days beyond XXXX/XXXX/15 due to additional paperwork required, but they understood, and stated it would not be a problem as they had their guarantee that the loan would be paid off. We paid this company for 10 years on time every month ( never late )! And I just received my credit report for XXXX/XXXX/15 and noticed my credit score had dropped about XXXX points ... .what! I have consistently held a credit score above XXXX and this company marked our last payment as late, which affected my great credit! I called them today and was told that I could sent a formal complaint ( by fax ), which I would get a response in 30-60 days! I am NEVER late on my bills and need them to remove this late payment, which was posted to my credit in error! Please help as this is the worst company I have had to deal with! 
