Report shows strategic defaults increasing

[Arraya]

[quote=BillS78][quote=Arraya]Flu caught him. he embellished on how much he has saved. who knows how much else this deviant deadbeat is hiding.[/quote]Learn how to read you deviant child molester.[/quote]

That’s it. I’m placing you under internet arrest. By the power of Piggington’s I demand you return all your ill gotten gains to the NAR and mortgage bankers association because the are the only ones aloud to profit off of stupidity and greed. You are messing with the primal forces of nature, Mr Bill, and you must ATONE!

[Coronita]

[quote=BillS78][quote=flu]True, he also does mention “stock investment”, but that would be taxable income, and his tax rate would be for $114k base salary + $120k (alleged gain in stock), which would put him into a high tax bracket. Also, no itemized deduction from his mortgage payment and I assume his property tax.

I don’t know…Seems embellished. That’s why it’s the internet. Believe maybe 10% of what you read imho.[/quote]Flu you are as retarded as Sarah Palin’s baby TRIsomyG.

Long Term Capital Gains – educate yourself so you stop sounding like such a fool.[/quote]

Yeah, right….Hmmm.

Speaking of retard, I’m not the one not paying my bills and being so cavalier about it, my deadbeat friend. I think I’ll start calling you DeadbeatBill as your handle.

[Coronita]

[quote=BillS78][quote=flu]True, he also does mention “stock investment”, but that would be taxable income, and his tax rate would be for $114k base salary + $120k (alleged gain in stock), which would put him into a high tax bracket. Also, no itemized deduction from his mortgage payment and I assume his property tax.

I don’t know…Seems embellished. That’s why it’s the internet. Believe maybe 10% of what you read imho.[/quote]Flu you are as retarded as Sarah Palin’s baby TRIsomyG.

Long Term Capital Gains – educate yourself so you stop sounding like such a fool.[/quote]

Yeah, right….Hmmm.

Speaking of retard, I’m not the one not paying my bills and being so cavalier about it, my deadbeat friend. I think I’ll start calling you DeadbeatBill as your handle.

[Coronita]

[quote=BillS78][quote=flu]True, he also does mention “stock investment”, but that would be taxable income, and his tax rate would be for $114k base salary + $120k (alleged gain in stock), which would put him into a high tax bracket. Also, no itemized deduction from his mortgage payment and I assume his property tax.

I don’t know…Seems embellished. That’s why it’s the internet. Believe maybe 10% of what you read imho.[/quote]Flu you are as retarded as Sarah Palin’s baby TRIsomyG.

Long Term Capital Gains – educate yourself so you stop sounding like such a fool.[/quote]

Yeah, right….Hmmm.

Speaking of retard, I’m not the one not paying my bills and being so cavalier about it, my deadbeat friend. I think I’ll start calling you DeadbeatBill as your handle.

[Coronita]

[quote=BillS78][quote=flu]True, he also does mention “stock investment”, but that would be taxable income, and his tax rate would be for $114k base salary + $120k (alleged gain in stock), which would put him into a high tax bracket. Also, no itemized deduction from his mortgage payment and I assume his property tax.

I don’t know…Seems embellished. That’s why it’s the internet. Believe maybe 10% of what you read imho.[/quote]Flu you are as retarded as Sarah Palin’s baby TRIsomyG.

Long Term Capital Gains – educate yourself so you stop sounding like such a fool.[/quote]

Yeah, right….Hmmm.

Speaking of retard, I’m not the one not paying my bills and being so cavalier about it, my deadbeat friend. I think I’ll start calling you DeadbeatBill as your handle.

[Coronita]

[quote=BillS78][quote=flu]True, he also does mention “stock investment”, but that would be taxable income, and his tax rate would be for $114k base salary + $120k (alleged gain in stock), which would put him into a high tax bracket. Also, no itemized deduction from his mortgage payment and I assume his property tax.

I don’t know…Seems embellished. That’s why it’s the internet. Believe maybe 10% of what you read imho.[/quote]Flu you are as retarded as Sarah Palin’s baby TRIsomyG.

Long Term Capital Gains – educate yourself so you stop sounding like such a fool.[/quote]

Yeah, right….Hmmm.

Speaking of retard, I’m not the one not paying my bills and being so cavalier about it, my deadbeat friend. I think I’ll start calling you DeadbeatBill as your handle.

[Anonymous]

[quote=SD Realtor]Sorry Bill I didn’t force anyone to do anything. While I was running an engineering group I also owned a real estate brokerage. I told every client I had that I wouldn’t have bought and they still did. You see, they don’t blame others for their own mistakes.[/quote]And I haven’t forced the bank to refrain from filing a NOD. Listen up SD Jackass, I never blamed anyone but myself for my purchase.

You choose to profit from clients’ deciding to buy, I choose to profit from my lender’s decision not to foreclose. You’re a bitter little hypocrite that wants to hold others to higher standards than you are willing to hold yourself to. Why didn’t you stop being a realtor if you couldn’t properly represent your clients?

[quote=SD Realtor]Bill let me ask you a few questions…

Have you ever bought a car?[/quote]I’ve purchased two in my lifetime, both were used and I paid cash both times. Whats this survey for again?

[quote=SD Realtor]Second, when you bought the home, did you feel that the value would always go up Bill? Did you consider that the value may go down?[/quote]Are you selling magazine subscriptions with this survey? The future value wasn’t critical to me because I could and still can afford it, I just chose not to continue making payments. Bet that really upsets you.

[quote=SD Realtor]Third, Bill did someone force you to sign the loan documents? Were you coerced into signing?[/quote]Nope, and I never forced the bank to let me live here for free. Did someone force you to be a realtor or were you just born an a-hole?

[quote=SD Realtor]Fourth, Bill do you know of any asset or stock or anything else where the value goes perpetually up all the time and forever?[/quote]Why, are you taking over for Madoff?

[quote=SD Realtor]Fifth, Bill did you stop making payments because of a hardship? Did you lose your job? Did you suffer some medical hardship? Were you defrauded by somebody? Did something happen to you that severely reduced your cash flow? Can you explain exactly why you stopped paying?[/quote]Because I felt like it and it is well within my rights under the purchase agreement. My number one priority as the CEO of myself is to maximize my shareholders’ wealth. Didn’t you get the memo? Corporations are people now, and we’re all individual corporations.

Why did you continue to work as a realtor if you couldn’t properly represent your clients? Was it because even though you spew you ridiculous B.S. around here you’re more than willing to profit from your clients’ purchases? Good job hypocrite. Or will you say it’s not your job to convince them not to buy just like it’s not my job to mail in my keys?

[quote=SD Realtor]Sixth, Bill it is okay you stopped paying.[/quote]Oh, thanks for your blessing. It means less than nothing to me.
[quote=SD Realtor]However why didn’t you simply move out? If you said well the asset is depreciating so I am done with it, why didn’t you simply mail in the keys and move out?[/quote]I didn’t feel like it. Why does it upset you so much, are you really that insecure?

[quote=SD Realtor]Why should any of us pay our mortgage? We all have suffered depreciation as well.[/quote]You don’t have the balls to default on your mortgage, you’re just a little bitch.[quote=SD Realtor]See, if you wanna walk on your loan walk on your loan, no harm done, mail in the keys and go rent an apartment.[/quote]That’s okay, I prefer to live here for free and continue to make people like you cry.

I figured that posting my experience here would bother some but I didn’t realize people like you and Swine Flu would be such little bitches about it. This is getting boring, have fun telling other people how to live their lives.

[Anonymous]

[quote=SD Realtor]Sorry Bill I didn’t force anyone to do anything. While I was running an engineering group I also owned a real estate brokerage. I told every client I had that I wouldn’t have bought and they still did. You see, they don’t blame others for their own mistakes.[/quote]And I haven’t forced the bank to refrain from filing a NOD. Listen up SD Jackass, I never blamed anyone but myself for my purchase.

You choose to profit from clients’ deciding to buy, I choose to profit from my lender’s decision not to foreclose. You’re a bitter little hypocrite that wants to hold others to higher standards than you are willing to hold yourself to. Why didn’t you stop being a realtor if you couldn’t properly represent your clients?

[quote=SD Realtor]Bill let me ask you a few questions…

Have you ever bought a car?[/quote]I’ve purchased two in my lifetime, both were used and I paid cash both times. Whats this survey for again?

[quote=SD Realtor]Second, when you bought the home, did you feel that the value would always go up Bill? Did you consider that the value may go down?[/quote]Are you selling magazine subscriptions with this survey? The future value wasn’t critical to me because I could and still can afford it, I just chose not to continue making payments. Bet that really upsets you.

[quote=SD Realtor]Third, Bill did someone force you to sign the loan documents? Were you coerced into signing?[/quote]Nope, and I never forced the bank to let me live here for free. Did someone force you to be a realtor or were you just born an a-hole?

[quote=SD Realtor]Fourth, Bill do you know of any asset or stock or anything else where the value goes perpetually up all the time and forever?[/quote]Why, are you taking over for Madoff?

[quote=SD Realtor]Fifth, Bill did you stop making payments because of a hardship? Did you lose your job? Did you suffer some medical hardship? Were you defrauded by somebody? Did something happen to you that severely reduced your cash flow? Can you explain exactly why you stopped paying?[/quote]Because I felt like it and it is well within my rights under the purchase agreement. My number one priority as the CEO of myself is to maximize my shareholders’ wealth. Didn’t you get the memo? Corporations are people now, and we’re all individual corporations.

Why did you continue to work as a realtor if you couldn’t properly represent your clients? Was it because even though you spew you ridiculous B.S. around here you’re more than willing to profit from your clients’ purchases? Good job hypocrite. Or will you say it’s not your job to convince them not to buy just like it’s not my job to mail in my keys?

[quote=SD Realtor]Sixth, Bill it is okay you stopped paying.[/quote]Oh, thanks for your blessing. It means less than nothing to me.
[quote=SD Realtor]However why didn’t you simply move out? If you said well the asset is depreciating so I am done with it, why didn’t you simply mail in the keys and move out?[/quote]I didn’t feel like it. Why does it upset you so much, are you really that insecure?

[quote=SD Realtor]Why should any of us pay our mortgage? We all have suffered depreciation as well.[/quote]You don’t have the balls to default on your mortgage, you’re just a little bitch.[quote=SD Realtor]See, if you wanna walk on your loan walk on your loan, no harm done, mail in the keys and go rent an apartment.[/quote]That’s okay, I prefer to live here for free and continue to make people like you cry.

I figured that posting my experience here would bother some but I didn’t realize people like you and Swine Flu would be such little bitches about it. This is getting boring, have fun telling other people how to live their lives.

[Anonymous]

[quote=SD Realtor]Sorry Bill I didn’t force anyone to do anything. While I was running an engineering group I also owned a real estate brokerage. I told every client I had that I wouldn’t have bought and they still did. You see, they don’t blame others for their own mistakes.[/quote]And I haven’t forced the bank to refrain from filing a NOD. Listen up SD Jackass, I never blamed anyone but myself for my purchase.

You choose to profit from clients’ deciding to buy, I choose to profit from my lender’s decision not to foreclose. You’re a bitter little hypocrite that wants to hold others to higher standards than you are willing to hold yourself to. Why didn’t you stop being a realtor if you couldn’t properly represent your clients?

[quote=SD Realtor]Bill let me ask you a few questions…

Have you ever bought a car?[/quote]I’ve purchased two in my lifetime, both were used and I paid cash both times. Whats this survey for again?

[quote=SD Realtor]Second, when you bought the home, did you feel that the value would always go up Bill? Did you consider that the value may go down?[/quote]Are you selling magazine subscriptions with this survey? The future value wasn’t critical to me because I could and still can afford it, I just chose not to continue making payments. Bet that really upsets you.

[quote=SD Realtor]Third, Bill did someone force you to sign the loan documents? Were you coerced into signing?[/quote]Nope, and I never forced the bank to let me live here for free. Did someone force you to be a realtor or were you just born an a-hole?

[quote=SD Realtor]Fourth, Bill do you know of any asset or stock or anything else where the value goes perpetually up all the time and forever?[/quote]Why, are you taking over for Madoff?

[quote=SD Realtor]Fifth, Bill did you stop making payments because of a hardship? Did you lose your job? Did you suffer some medical hardship? Were you defrauded by somebody? Did something happen to you that severely reduced your cash flow? Can you explain exactly why you stopped paying?[/quote]Because I felt like it and it is well within my rights under the purchase agreement. My number one priority as the CEO of myself is to maximize my shareholders’ wealth. Didn’t you get the memo? Corporations are people now, and we’re all individual corporations.

Why did you continue to work as a realtor if you couldn’t properly represent your clients? Was it because even though you spew you ridiculous B.S. around here you’re more than willing to profit from your clients’ purchases? Good job hypocrite. Or will you say it’s not your job to convince them not to buy just like it’s not my job to mail in my keys?

[quote=SD Realtor]Sixth, Bill it is okay you stopped paying.[/quote]Oh, thanks for your blessing. It means less than nothing to me.
[quote=SD Realtor]However why didn’t you simply move out? If you said well the asset is depreciating so I am done with it, why didn’t you simply mail in the keys and move out?[/quote]I didn’t feel like it. Why does it upset you so much, are you really that insecure?

[quote=SD Realtor]Why should any of us pay our mortgage? We all have suffered depreciation as well.[/quote]You don’t have the balls to default on your mortgage, you’re just a little bitch.[quote=SD Realtor]See, if you wanna walk on your loan walk on your loan, no harm done, mail in the keys and go rent an apartment.[/quote]That’s okay, I prefer to live here for free and continue to make people like you cry.

I figured that posting my experience here would bother some but I didn’t realize people like you and Swine Flu would be such little bitches about it. This is getting boring, have fun telling other people how to live their lives.

[Anonymous]

[quote=SD Realtor]Sorry Bill I didn’t force anyone to do anything. While I was running an engineering group I also owned a real estate brokerage. I told every client I had that I wouldn’t have bought and they still did. You see, they don’t blame others for their own mistakes.[/quote]And I haven’t forced the bank to refrain from filing a NOD. Listen up SD Jackass, I never blamed anyone but myself for my purchase.

You choose to profit from clients’ deciding to buy, I choose to profit from my lender’s decision not to foreclose. You’re a bitter little hypocrite that wants to hold others to higher standards than you are willing to hold yourself to. Why didn’t you stop being a realtor if you couldn’t properly represent your clients?

[quote=SD Realtor]Bill let me ask you a few questions…

Have you ever bought a car?[/quote]I’ve purchased two in my lifetime, both were used and I paid cash both times. Whats this survey for again?

[quote=SD Realtor]Second, when you bought the home, did you feel that the value would always go up Bill? Did you consider that the value may go down?[/quote]Are you selling magazine subscriptions with this survey? The future value wasn’t critical to me because I could and still can afford it, I just chose not to continue making payments. Bet that really upsets you.

[quote=SD Realtor]Third, Bill did someone force you to sign the loan documents? Were you coerced into signing?[/quote]Nope, and I never forced the bank to let me live here for free. Did someone force you to be a realtor or were you just born an a-hole?

[quote=SD Realtor]Fourth, Bill do you know of any asset or stock or anything else where the value goes perpetually up all the time and forever?[/quote]Why, are you taking over for Madoff?

[quote=SD Realtor]Fifth, Bill did you stop making payments because of a hardship? Did you lose your job? Did you suffer some medical hardship? Were you defrauded by somebody? Did something happen to you that severely reduced your cash flow? Can you explain exactly why you stopped paying?[/quote]Because I felt like it and it is well within my rights under the purchase agreement. My number one priority as the CEO of myself is to maximize my shareholders’ wealth. Didn’t you get the memo? Corporations are people now, and we’re all individual corporations.

Why did you continue to work as a realtor if you couldn’t properly represent your clients? Was it because even though you spew you ridiculous B.S. around here you’re more than willing to profit from your clients’ purchases? Good job hypocrite. Or will you say it’s not your job to convince them not to buy just like it’s not my job to mail in my keys?

[quote=SD Realtor]Sixth, Bill it is okay you stopped paying.[/quote]Oh, thanks for your blessing. It means less than nothing to me.
[quote=SD Realtor]However why didn’t you simply move out? If you said well the asset is depreciating so I am done with it, why didn’t you simply mail in the keys and move out?[/quote]I didn’t feel like it. Why does it upset you so much, are you really that insecure?

[quote=SD Realtor]Why should any of us pay our mortgage? We all have suffered depreciation as well.[/quote]You don’t have the balls to default on your mortgage, you’re just a little bitch.[quote=SD Realtor]See, if you wanna walk on your loan walk on your loan, no harm done, mail in the keys and go rent an apartment.[/quote]That’s okay, I prefer to live here for free and continue to make people like you cry.

I figured that posting my experience here would bother some but I didn’t realize people like you and Swine Flu would be such little bitches about it. This is getting boring, have fun telling other people how to live their lives.

[Anonymous]

[quote=SD Realtor]Sorry Bill I didn’t force anyone to do anything. While I was running an engineering group I also owned a real estate brokerage. I told every client I had that I wouldn’t have bought and they still did. You see, they don’t blame others for their own mistakes.[/quote]And I haven’t forced the bank to refrain from filing a NOD. Listen up SD Jackass, I never blamed anyone but myself for my purchase.

You choose to profit from clients’ deciding to buy, I choose to profit from my lender’s decision not to foreclose. You’re a bitter little hypocrite that wants to hold others to higher standards than you are willing to hold yourself to. Why didn’t you stop being a realtor if you couldn’t properly represent your clients?

[quote=SD Realtor]Bill let me ask you a few questions…

Have you ever bought a car?[/quote]I’ve purchased two in my lifetime, both were used and I paid cash both times. Whats this survey for again?

[quote=SD Realtor]Second, when you bought the home, did you feel that the value would always go up Bill? Did you consider that the value may go down?[/quote]Are you selling magazine subscriptions with this survey? The future value wasn’t critical to me because I could and still can afford it, I just chose not to continue making payments. Bet that really upsets you.

[quote=SD Realtor]Third, Bill did someone force you to sign the loan documents? Were you coerced into signing?[/quote]Nope, and I never forced the bank to let me live here for free. Did someone force you to be a realtor or were you just born an a-hole?

[quote=SD Realtor]Fourth, Bill do you know of any asset or stock or anything else where the value goes perpetually up all the time and forever?[/quote]Why, are you taking over for Madoff?

[quote=SD Realtor]Fifth, Bill did you stop making payments because of a hardship? Did you lose your job? Did you suffer some medical hardship? Were you defrauded by somebody? Did something happen to you that severely reduced your cash flow? Can you explain exactly why you stopped paying?[/quote]Because I felt like it and it is well within my rights under the purchase agreement. My number one priority as the CEO of myself is to maximize my shareholders’ wealth. Didn’t you get the memo? Corporations are people now, and we’re all individual corporations.

Why did you continue to work as a realtor if you couldn’t properly represent your clients? Was it because even though you spew you ridiculous B.S. around here you’re more than willing to profit from your clients’ purchases? Good job hypocrite. Or will you say it’s not your job to convince them not to buy just like it’s not my job to mail in my keys?

[quote=SD Realtor]Sixth, Bill it is okay you stopped paying.[/quote]Oh, thanks for your blessing. It means less than nothing to me.
[quote=SD Realtor]However why didn’t you simply move out? If you said well the asset is depreciating so I am done with it, why didn’t you simply mail in the keys and move out?[/quote]I didn’t feel like it. Why does it upset you so much, are you really that insecure?

[quote=SD Realtor]Why should any of us pay our mortgage? We all have suffered depreciation as well.[/quote]You don’t have the balls to default on your mortgage, you’re just a little bitch.[quote=SD Realtor]See, if you wanna walk on your loan walk on your loan, no harm done, mail in the keys and go rent an apartment.[/quote]That’s okay, I prefer to live here for free and continue to make people like you cry.

I figured that posting my experience here would bother some but I didn’t realize people like you and Swine Flu would be such little bitches about it. This is getting boring, have fun telling other people how to live their lives.

[cabal]

[quote=BillS78][quote=cabal]If you don’t mind further sharing…

– Have you received pestering calls from bill collectors?

– What has happened to your credit score?

– Who is your lender?

– Are you current on property taxes?

– Are you concerned about qualifying for another mortgage?

FYI – I don’t agree with everything SD R says, but his comments are usually well balanced, measured, and insightful. He adds a lot of value to this board.[/quote] – I had a lot of calls in the first few months and that was when I thought a NOD would be sent out, then almost nothing for a while, more calls again last summer/fall and then nothing again.

– My FICO has dropped slightly but that’s due to canceling some credit cards. I’m still in the high 700’s.

– I’m not mentioning my lender, I don’t need bitter crazies from here trying to track me down.

– I think so, you’d have to ask my lender. My property taxes are included in the monthly payment. If they weren’t being paid it seems like the county would have taken the property by now.

– I’m not at all concerned, just want this taken care of by the end of next year. I’m thinking of taking a year to travel around the world or maybe join a band and go on tour one last time.[/quote]

I’m stunned you credit score hasn’t been compromised because it means you are being reported to the credit agencies as current? If you have a recent credit report, I would be interested in seeing how your lender is reporting your payment. For people undergoing 3 month loan mod trials, I’ve read the reduced payments are reported as 90+ days late, resulting in a 100+ point debit to their credit score.

[cabal]

[quote=BillS78][quote=cabal]If you don’t mind further sharing…

– Have you received pestering calls from bill collectors?

– What has happened to your credit score?

– Who is your lender?

– Are you current on property taxes?

– Are you concerned about qualifying for another mortgage?

FYI – I don’t agree with everything SD R says, but his comments are usually well balanced, measured, and insightful. He adds a lot of value to this board.[/quote] – I had a lot of calls in the first few months and that was when I thought a NOD would be sent out, then almost nothing for a while, more calls again last summer/fall and then nothing again.

– My FICO has dropped slightly but that’s due to canceling some credit cards. I’m still in the high 700’s.

– I’m not mentioning my lender, I don’t need bitter crazies from here trying to track me down.

– I think so, you’d have to ask my lender. My property taxes are included in the monthly payment. If they weren’t being paid it seems like the county would have taken the property by now.

– I’m not at all concerned, just want this taken care of by the end of next year. I’m thinking of taking a year to travel around the world or maybe join a band and go on tour one last time.[/quote]

I’m stunned you credit score hasn’t been compromised because it means you are being reported to the credit agencies as current? If you have a recent credit report, I would be interested in seeing how your lender is reporting your payment. For people undergoing 3 month loan mod trials, I’ve read the reduced payments are reported as 90+ days late, resulting in a 100+ point debit to their credit score.

[cabal]

[quote=BillS78][quote=cabal]If you don’t mind further sharing…

– Have you received pestering calls from bill collectors?

– What has happened to your credit score?

– Who is your lender?

– Are you current on property taxes?

– Are you concerned about qualifying for another mortgage?

FYI – I don’t agree with everything SD R says, but his comments are usually well balanced, measured, and insightful. He adds a lot of value to this board.[/quote] – I had a lot of calls in the first few months and that was when I thought a NOD would be sent out, then almost nothing for a while, more calls again last summer/fall and then nothing again.

– My FICO has dropped slightly but that’s due to canceling some credit cards. I’m still in the high 700’s.

– I’m not mentioning my lender, I don’t need bitter crazies from here trying to track me down.

– I think so, you’d have to ask my lender. My property taxes are included in the monthly payment. If they weren’t being paid it seems like the county would have taken the property by now.

– I’m not at all concerned, just want this taken care of by the end of next year. I’m thinking of taking a year to travel around the world or maybe join a band and go on tour one last time.[/quote]

I’m stunned you credit score hasn’t been compromised because it means you are being reported to the credit agencies as current? If you have a recent credit report, I would be interested in seeing how your lender is reporting your payment. For people undergoing 3 month loan mod trials, I’ve read the reduced payments are reported as 90+ days late, resulting in a 100+ point debit to their credit score.

[cabal]

[quote=BillS78][quote=cabal]If you don’t mind further sharing…

– Have you received pestering calls from bill collectors?

– What has happened to your credit score?

– Who is your lender?

– Are you current on property taxes?

– Are you concerned about qualifying for another mortgage?

FYI – I don’t agree with everything SD R says, but his comments are usually well balanced, measured, and insightful. He adds a lot of value to this board.[/quote] – I had a lot of calls in the first few months and that was when I thought a NOD would be sent out, then almost nothing for a while, more calls again last summer/fall and then nothing again.

– My FICO has dropped slightly but that’s due to canceling some credit cards. I’m still in the high 700’s.

– I’m not mentioning my lender, I don’t need bitter crazies from here trying to track me down.

– I think so, you’d have to ask my lender. My property taxes are included in the monthly payment. If they weren’t being paid it seems like the county would have taken the property by now.

– I’m not at all concerned, just want this taken care of by the end of next year. I’m thinking of taking a year to travel around the world or maybe join a band and go on tour one last time.[/quote]

I’m stunned you credit score hasn’t been compromised because it means you are being reported to the credit agencies as current? If you have a recent credit report, I would be interested in seeing how your lender is reporting your payment. For people undergoing 3 month loan mod trials, I’ve read the reduced payments are reported as 90+ days late, resulting in a 100+ point debit to their credit score.

[Author]

Posts