Need help with mortgage company trying to ruin our credit

Hello, You'll likely want to consult with a consumer protection attorney as there is likely a lot of information to review. I would first gather all of the information showing that you've made every payment on time to them and also gather any information you may have on where and how the mortgage company has been applying the payments incorrectly. This information could come from mortgage statements to an extent. Eventually, you'll likely need to initiate a formal Notice of Error to the mortgage company detailing their mistakes but you'll want to make sure you have all the required paperwork when doing so. You'll also want to dispute the negative credit reporting directly with the credit reporting agencies that are reporting the false and negative information.  The first step though is to have paperwork lined up showing that every payment was made on time and have the written proof showing the mortgage company is in the wrong. Most consumer protection attorneys will offer free consultations (at least we do). I hope this insight helps!