I'm having trouble finding a clear answer (if one even exists) on whether availing oneself of the "Making Home Affordable" refi (http://www.makinghomeaffordable.gov/about.html) has a negative effect on FICO scores/credit reports, or even a different effect from a normal refi outside of this program. Basically, I'm wondering if it shows up as a baddie or is somehow viewed as a negative on a person's credit report.
Does anyone have any real-world insight or experience about the HARP and FICO/credit report impact?
The best I can tell is that is more of a loan modification vs. refi question.
This forum and article are the best info I could find. It is a good question!