In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit? 
