1. I lost my job for over a year. 
2. I contacted my mortgage company ( Wells Fargo ) for assistance in case I ran out of money to pay. ( Although I still could from savings. ) 3. They told me to stop paying and sign a forbearance agreement. ( I did as instructed. ) 4. I got another job and brought my account 100 % up to date. 
5. They penalized me and reported me to the credit bureau for non-payment, even though I made all the payments they requested and on time per the forbearance agreement. 
