I have my house for 9 years,all monthly payments on time,(i have no credit for some strange reason,I refinaced 2 times) I still have no credit? I received a call for modification, I sent in all papers for some strange reason i kept getting calls saying i didn't send in the papers, but when i ask for a supervisor my papers would appear this went on for 3 months 6 calls a week, at the ened they said i failed the modification because i didn't send my taxs! they lied i did send it in

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