I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.