My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated 
