That being said, the credit reporting agencies can only report what is recorded with the Lender. If the Lender does not change the terms & conditions of the loan for 90 days, it will look like you are making partial payments which can result in your credit report showing delinquent payments.
To be 100% sure that the credit report is not reflective of late payments, the best solution if possible is to make the full payment for the next 90 days until the new loan docs are signed. If this is not possible, then you could correct the errors on your credit file after the fact with the agreement from the Lender as long as you received it in writing.
You've come this far with a good credit standing and a successful loan modification and if you can get through the next 90 days, your credit will have no blemishes.
Congratulations on a job well done!
Monitor your credit report as well. Freecreditreport.com can be a benfit to you IF you monitor it and IF you can remember to cancel the service when you no longer need your credit to me monitored.
Best wishes and BIG CONGRATS on a successful loan mod. They are not all that common!
Look at this blog it will help you to learn more about your situation.
I've got most of my answers there as well.
I'm not sure either....but this would be the time to negotiate with the lender to make sure that you've asked for them to correct your credit report. A loan modification is going to show up on your report.
Be sure and let us all know what happens.
National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer