I applied for help with my mortgage going almost 3 years ago (march 2008 after losing my job) with the keeping your home affordable program. They sent me a package with lots of material that I had to send them and very little details about what I was applying for and what I would have to do. I was approved for a trial period in November of 2008 and I was sent information about making the payments and for how long. I was never told that by making these payments it would damage my credit report and rating and make me behind in my mortgage for... read full review »