We furnish information about the loan in accordance with applicable law and current Consumer Data Industry Association reporting guidance. The way a bankruptcy affects your credit report can depend on the bankruptcy chapter, loan status, court orders, and the policies of the consumer reporting agencies. For questions about how information appears on your credit report, contact the consumer reporting agency displaying the information.
 

Applying for mortgage assistance does not pause, stop, or suspend monthly credit reporting.  The mortgage account may continue to be reported to consumer reporting agencies based on the contractual due date and payment status of the loan.

Entering a trial payment plan or making the required trial payments does not automatically bring a delinquent loan current. If your loan was already 30 or more days past due when the trial began, it may continue to be reported as delinquent based on its contractual status. Credit reporting will be updated in accordance with applicable requirements and the status of your loan.

A service transfer does not change your loan terms or payment history. The previous servicer may report its account as transferred or closed, and the new servicer may begin reporting the loan under a new tradeline. Continue making payments as instructed during the transfer. Because credit scores are calculated by consumer reporting agencies and scoring companies, we cannot predict how a transfer may affect an individual credit score.

You might notice a small temporary dip in your score due to how credit reporting systems handle the transition (closing the old account and opening a new one). This is normal and your score should bounce back once the new loan is reported consistently.