I am trying with Gmac and noticed that they ran my credit, not unexpected. I have never been late until now and only 2 weeks. Once a mod is done does it impact your credit? Does it show that the loan has been modified? Also does your lender kinda of punish you by running your credit over and over? Just wondering how this affects ones credit rating once a mod is done. I am trying to stay in my home, but if it ruins my credit in the process, then I may consider doing it a different way instead of killing myself in not being late. Thanks all.