We started a loan modification in late 2017 because I lost my job after Hurricane Irma. For some reason, the process took nearly 9 months until we got to the trial payment period. We made all our trial payments on time as required and signed all the paperwork in October. Two months ago, our credit scores dropped roughly 100 points each. According to Equifax and TransUnion, the payments during the trial period were marked at 120 days late. I sent a letter of dispute to our mortgage company and they responded that everything was in order. When I initially talked to them on the phone, no one could explain to me why this happened and they told me I needed to send this letter to have it investigated. I'm not really sure what to do at this point and don't want to wait seven years for it to fall off our reports.
So, on a scale of 1 to 10, how screwed am I in regards to getting this fixed?