Write a letter to all three credit bureaus contesting the entry and ask them to investigate. Send a letter to Countrywide indicating that the payment was not late (If you have a canceled check or other evidence, send them a copy) and ask them to notify the credit bureaus that the payment was not late and report was in error. If these efforts fail, you can pursue a slander of credit action against Countrywide using an attorney who specializes in consumer protection issues. I recommend Googling "Michigan Consumer Protection Lawyer" or calling the Michigan Association for Justice in Lansing and asking for a referral to a consumer protection specialist.
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