I thought I was one of the lucky ones. Had some financial problems after closing a business in 2003. In 2004, they became much worse and we fell behind on our mortgage. 60 days late and forclosure papers were filed. I hired a company to help with a loan modification, which was successful and we were able to keep our home, which was our goal. Two years later, we refinanced and it showed on our credit report as a 90 day late but not as a forclosure. Fast forward 3 years...we have been able to rebuild our credit to a decent number and have... read full review »