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@Anonymous wrote:
Hey Everyone! Well, first of all I want to say that I really enjoy this forum! Great people and very helpful. So here is my situation. I have a mortgage through bank of america and in october called and asked for a payment plan to help with my october payment. They said yes. They never mentioned that it was still going to affect my credit. They even sent a letter that said if I did pay according to my payment plan, that it will not affect my credit. So, november comes along and I get an update that my credit has changed. I look, and it is bank of America stating that I am 30 days late (I had a 80 20 loan so I was late for 2 payments) and it dropped my score from a 654 to a 536. Yes 118 points! Do I have grounds to dispute this in any way? Any help would be GREATLY appreciated!