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Mortgage Forbearance - mtg transferred to a diff servicer. Original now closed as 30+ days late


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The last post in this topic was posted 1340 days ago. 

 

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My TU score just took a 50pt dive

 

My original mortgage was in forbearance (was furloughed for several months due to Covid-19) and I had setup a repayment plan. I had made the "downpayment" they wanted to start the repayment plan and then I'd paid the first modified payment (5 more were left)

 

They then transferred the servicing of the loan to a new servicer and closed the original count and it's showing as Closed 30+ days late (at least....not sure the details but that's what the MyFico alert reads)

 

Is there any chance of submitting something to them to request goodwill?  My payment history is absolutely perfect except for this new one and it dinged pretty hard.  What would I even send to them?

Edited by Roland99
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2 hours ago, centex said:

Get your paper reports and THEN evaluate how to approach each of the Big Four.

per the AnnualCreditReport free report from TU (I know it's not the paper but this is pretty detailed)

 

Came out of forbearance in Oct (made the downpayment amount they wanted). There was confusion as to when the next payment was due (I was led to believe it was 12/1/2020 but to them it wasn't so that initial repayment plan was canceled).  Started *another* repayment plan and made the new downpayment and then the first payment (due 1/26/2021) on 12/29/2020.  They transferred the note on 1/4/2021 and now it shows 30 days late (could be worse, I guess, as I was in forbearance for several months but there's not much left to get caught up on...and I have no idea what the new servicer wants yet)

 

LoanCare.jpg

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