Would give 0 if possible. This is the ultimate ba...

Would give 0 if possible. This is the ultimate bait & switch operation. We asked for a refinance due to a job loss, but were put in to a loan modification. As part of the loan modification, were told NOT to make any payments for 2 months until the modification kicked in. What we were NOT told was that it would be reported to credit agencies and our credit would be wrecked. And now no one will get back to us to work through this. Were told they would look at retracting report to credit agency, but won't get back to us.