Lender reported to credit bureaus that my XXXX 2016 payment was greater than 30 days past due. This is inaccurate at XXXX 2016 had XXXX less day due to leap year. Payment due date was XXXX XXXX. Delinquency clock starts XXXX XXXX and the payment processed on XXXX XXXX - day XXXX. My credit score dropped XXXX points due to this inaccurate reporting. Spoke with the Lender and they suggested I dispute it with the credit bureaus - which I have done. 
