I had a credit score in the very high 700s, we unexpectedly experienced a financial problem and were going to be 1 month behind.I called before we were going to be late and was offered a hardship form which we weren't going to be accepted for because of our jobs (we have good ones) and we were going to be able to catch up within a few months. we continued to make payments, but were still 1 month behind for 3 months before I could make a double payment and get caught up.
I have been current for 6 months and just tried to get a loan and was shocked to find out that my score was down to 660 and Flagstar reported me for 3 months, so no one will touch me.
I called and they refused to let me talk to a supervisor and told me it wasn't a supervisor issue and the reports couldn't be removed! My perfect credit for all my life was ruined in just 3 months!