Litton Loan's idea of a loan modification was to add $400.oo to our monthly payment. We never signed the paperwork, and continued to pay our regular loan payments on time each month. Well...come to find out that they've been reporting us as being 30 days late each month to the big three credit reporting agencies, as well as sending us letters via certified mail stating that we are 45 days late on our payments! Not only are we unable to refinance, but now our credit is mud, and will be for the next seven years. Way to go, dirtbags!... read full review »