As many, I had an outstanding credit score until of recent when I became unemployed and more so when Wells opted not to work with me (while employed) for a loan mod on my 2nd. I am in default on my 2nd due to unemployment(Strategy for Settling) which is understandable why I have a negative mark on my report (Loan Charged Off) However, I also have a negative mark on my 1st mortgage in which I have always been current. I was on a trial forbearance plan with them in which I paid as agreed. When the forbearance was complete, I didn't realize they wanted the difference in full immediately. I don't understand how to read these reports but it looks like Dec 09 and Mar 10 are noted 30 days past due which was the time of the forbearance and the time where they approved my modification on my 1st and was told to skip a month. It's all so confusing, nevertheless, I did pay as agree and resolve the forbearance difference. Problem is, I am seeking employment in which they are all doing credit checks now. I am well qualified for some of these jobs but wondering if these 2 hits are affecting me getting hired? (I'm not looking into jobs working with money). I have 23 accts in good standing. Forum readers, do you think it's worth the effort and time to dispute the one WF forebearance hit? I dread dealing with all this again but if it means gaining employment I will. Feedback?