[nicko]

showing on your credit report or get a foreclosure notice?

[modmastery]

It really depends on the bank itself.
Usually, after the first missed payment the bank will give you a letter saying you missed a payment, etc. However, after the second missed payment it will usually start to show up on your credit report. Many times the credit report can be fixed after a modification, remember the most important thing is to make sure you keep your house!

[TheCAG]

Most times after 90 days of missed payments they are legally allowed to start the foreclosure process. I have had some clients in my office go almost 2 years before they even began! They can start reporting after one missed payment.
The Consumer Advocacy Group is based in NV where the housing crisis hit hardest and we are one one the only Not for Profit organizations working directly with lenders and borrowers in the country! We are made up of a group of independant lobbyists who pride themselves on keeping the homeowner in the home. By working directly with the banks we know all the programs they have available to you. Should you like some more informationn on what options you may have to help make your home affrodable again please contact me dhoffman@consumeradgroup .com consumersforchange .org

[hsgroup]

The actual report shows after 2 payment is missed o after 90 days of first payment missing.
It is always god to talk to loan modiication experts who can directly talk to your lender and negoitate with them on payment base on your situation