I have a mortgage thru Wells Fargo. I have never been late with my mortgage. When I lost my job in 11-2008 I contacted the mortgage company because i had a drastic change in finances. They placed me on an Amoritorium program and assured me that my credit report will not be affected meaningthat they would not report me late. Since that time to date they have reported me late two months, October 2009 which is fabricated and April on two credit reports and May of 2009 on the other one. This after the mortg co. sent me a letter apologizing for... read full review »