EMC MORTGAGE RUINING OUR CREDIT TO KEEP US AS A HOSTAGE!!!! IRVING, Texas

Recently my wife and I were looking into refinancing our home when we were given news that we had negative ratings on our report that we were unaware of. EMC Mortgage had claimed that we had made SLOW payments on both of our mortgages for a prolonged period of time. They claimed we had made a combined 23 slow payments between the two mortgages!

Back in November of 2008, we had had some financial difficulties and looked into getting help with a possible loan modification. During the process, EMC sent us an agreement for a lesser payment per month until a modification could be approved that began in January of 2009. My husband and I honored the agreement and made our payments on time and for the full amount that had been requested since!

If a company gives you a monthly statement with a certain amount on the statement and you pay that amount on time, and even one time send TRIPLE the payment amount requested (see bill history for 03/2010- payments totaling $2250.00 were sent to account #001346899), how are we making a slow payment? Any banker I have talked to shakes their head in disbelief. And the best part of it all is when the modification was all said and done we had a worse rate with longer terms!!!