My husband and I filed for the Make Homes Affordable program in August, 2009, when we heard that there was availability for people who had not yet been late and did not wish to be. We had reduced income due to job loss. We were told by Vanessa at BAC that as long as we were not late on any payments, including the trial modification payments, that this would not affect our credit. Well, here we are a year later and found out that they turned us in as late in June, July and August, EVEN THOUGH ALL PAYMENTS WERE ON TIME. Now, we got a letter in... read full review »