Usually during the Trial Mod period of a HAMP modification the servicer does not report the payment at all (USUALLY). Who is your loan servicer?
Another thing to be aware of Ned is that although the trial period is formally set up for 3 trial payments they almost never resolve that quickly. Most homeowners pay 6, 7, 8 or even 9 or more payments on the trial plan before it is ultimately resolved.
Keep in mind that of the approximately 1.4 million trial modifications inititated under HAMP only about 470,000 have resulted in a permanent loan modification. Even more frightening is the fact that 25% of the permanent loan modifications that are over 12 months old are 60 or more days delinquent again. What does this tell you? The permanent modification achieved are not solving the long-term problems of the borrowers. Follow the link for a more in-depth discussion about how HAMP is failing to prevent delinquency.... more