AMERICAN SERVICING COMPANY IS MY MORTGAGE COMPANY. I REQUESTED AND WAS APPROVED FOR A MODIFICATION WITH A LOWER INTEREST RATE. I WAS NEVER LATE ON MY PAYMENTS. AMERICAN SERVICING COMPANY REPORTED ME TO THE 3 CREIDIT REPORTS AS LATE AND ONLY PAYING PARTIAL. THIS WAS NOT TOLD TO ME AND NOT STATED IN NEW CONTRACT WITH LOWER PAYMENTS THAT I SIGNED. THE CONTRACT SAYS TO PAY AMOUNT ON DATE AND I DID. THANK YOU JANE SWIFT read full review »