Agreed. I don't like to lie either. I just thought to make some office staff's job easier.
I'm moral and fair to a fault but, after all I've been through with my mortgage bank, I don't think I owe them any fair play.
The details are pretty complicated and that's because the creditor lied (or, at best, was careless in its reporting.) I can't go back to the creditor to correct the problem as the creditor went under/ does not exist anymore (not a surprise to me, I've been dealing with them for over a year.)
Here's the (complicated) situation: I fell behind with two mortgage payments (Sept & Oct of 2011) I contacted the mortgage co. In Nov and scheduled a payment for those two months. Come end of Nov that payment was never withdrawn from my account. I called them the day after the payment was scheduled to go out and they told me the person who scheduled my payment was in error/ not authorized to do so (
) and that they can't accept payment for September /October, I would have to pay the November mortgage as well. I applied for the HAMP and checked with them monthly to see what if anything I can pay. They went under and sold my loan to a new bank. It took the new bank 30 days to approve me for HAMP and now my payments are current. No past due payments.
While the old bank would only accept full up to date payment they did report each payment as a separate delinquency so, now, my report has a 30 day past due+a60 day past due+ a 90 day past due+....+10 months past due payment.
See? Complicated. If anyone understands all this and has a better idea how to deal with it, please let me know.
P.S. the original bank disqualified me from HAMP saying my income is too low. They also "reassured" me that's not a problem (heh, not for them.) Since I owe only 60% of the value of my house. They would be happy to take it off my hands. That is what they said!!!
This is what I assume: Should I have over-borrowed and owed 250% of value they would have bent over backwards to adjust my payments. HIghway robbers! If I could do anything to drown them, rest assured I would.