We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair. 
