I 've had excellent credit and in a strong financial position for over 15 years, however for the past 5 years I 've been unable to refinance my home. On several occasions I was told by the bank my loan did n't qualify for refinance and I had to be behind in payments to apply for HARP or other assistance program. After losing my job 3 years ago, my income decreases greatly. I exhausting most of my savings and had no choice but stop making payments to begin the HARP process. In the mean time I browed money from my retirement to pay mortgage when or if they approve me. It has been over 90 days and I was informed by my representative that my file has n't been reviewed. After expressing my concern about the process and what this has done to my credit score, I asked that they remove the 90 day or place an explanation on my credit report. As a self employed individual, it is very important that I maintain the excellent credit I had before starting this process. My representative filed a complaint to his supervisor to addressing my request and concerns as well as ask that my case be expedited to a supervisor in the underwriting department for review. I 'm very concerned that I now have a 90day on my credit report because they have n't reviewed my case, and they can still deny me for the HARP program. 
