We are cosigned on house mortgage and make all payments - apparently the payments were increased due to increased taxes and escrow was insufficient - M&T reported us to credit bureau for 3 payments 30 days late - they state that they sent letters and made calls to other party signed on mortgage but when they got no response from them they just used all the available escrow until exhausted, then filed for late payments. They did not attempt to contact us and we make all payments and are never late. Had they contacted us as required when you are Co-responsible for a payment, we would easily have increased the payments by $50 and avoided this hit on our credit reports. They also charged $400 in late fees