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Posted in Paying Your Bills
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Question By
gcjohn

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Mortgage company advised us to go 2 months late to qualify for mortgage modification program.
Of course they didn't approve modification, but started foreclosure process. We got current, but these two late payments are still (2 years ago) on our credit report. They deny advising us to do that and won't remove them because "we were late". What can I do to get them off my credit report? This is the only thing preventing us from refinancing and getting away from these crooks.

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Top Contributor
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That was probably their plan all along, convince you that you need to damage your credit, so that you have to stay with them. I would research the company extensively and see what kind of trouble they get in. Sounds like a very shady company and while you cannot prove anything unless you would have something in writing, which I am sure that they didn't do, you can look to see if others went through the same thing and maybe start filing some complaints against this company. If enough people do it, then an investigation may take place.

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