Question: I do not think my lender has properly credited payments. How do I check?

Answer: Send the lender a letter, by certified mail with a return receipt, requesting the account history. Include the account number. State that under RESPA you have filed a "qualified written request" for information.

The lender now has 60 days to answer your inquiry.

Be certain to keep a copy of your letter, the postal receipt, and the postal return card if needed to press a claim.

Note that most lenders will respond quickly to any concerns regarding account accuracy. Resolving such problems is far better than class-action lawsuits and regulatory problems.