Hello, I am new here and I have been on a credit repair campaign since 9/03. So far, my Equifax is decent, except for my Midland Mortgage account which is showing 120 days past due. I am on a forebearance plan with them since their was a large escrow surplus which had to be spread out over 24 months. Even though I am current with them, I am being reported to the credit bureau as 120 days late Has anyone had any similar experiences with forbearance plans on a morgage account?