Hi There, I just finally received a permanent mod from Bank of America. I started the process in june of 09, Started trial payments in December of 09, I never made a late payment. I payed the trial amounts when they were due every month, for 10 months. I was current when I started the Mod process and have never been more than 28 days late paying BOA. Basically this was all a preemptive effort to save my credit score, which when I started this process was in the High 700's nearly 800.
Now, after I have finished all the work, made all the phone calls and done everything, exactly when/how asked by BOA, my credit score has dropped to 647. I was told that this was because all the months I was making trial payments were recorded on my credit as partial payments, even tho, they were the exact amount that BOA asked me to pay, and they were on time, and I was current when I started.
I have read a few places that BOA will revise my credit once the Mod was finalized, I contacted my negotiator and several others from BOA regarding this, and no one has ever replied. If anyone else has any info on how to go about this, or if you've had any success doing this, Please let me know.
Any advice would be helpful, My apologies if this is 205, but I couldn't find my exact circumstances searching.