You are 90 days late until you either pay the arrearage or the modification is compeleted. You started making payments again while going through the modification process but you are still 90 days behind. Making the payments just kept you out of foreclosure while the modification process continued.
Starting Score TU: 520
Current Score TU: 815. EX: 806. EQ: 819
Chase Freedom $20k, WellsFargo $12k, Barclay $5k, BCU $15k, Discover $5k, USAA $7k, Lowes $8k, Home Depot $10k, Citi $13k, Apple $15k, Credit One, $20k, NFCU, $25k, Arvest $35K
