I recieved a deferrment on my mortgage last year that I was eligible for due to natural disasters and unemployment and such. I was under the impression that it would not affect my score, but once they started reporting "Paying under a partial payment agreement" my score dropped about 56 points. I have since brought my score back up 91 points, but I'm thinking that I could still be 50 points higher if they took that remark off of my mortgage account.
My question is: is there a way to get that remark changed or removed? Has anyone had any experience removing it - if so, what did you have to do? If I got caught up with the payments that were deferred, would that mark disappear?
Any insight on this would be helpful. According to the myFico future thing, I won't be able to get past 751 with this thing on my account.
Starting Score: 667