FOLLOWING THE GREAT HOUSING COLLAPSE AND BANK FAILURES, MY WIFE AND MY VA MORTGAGE SINCE XX/XX/XXXX AND ALWAYS IN GOOD STANDING FOUND THAT OVER A 4 TO 5 YEAR PERIOD AFTER COMPLETING A RE-FI JUST PRIOR TO THE BURST ; XXXX SOLD IT TO ONE OF THE XXXX AND CHANGED HANDS OFTEN FINALLY ENDING UP WITH XXXX.WHEN INTEREST RATES WENT TO NEAR ZERO AND ALTHOUGH MY WIFE AND I HAD CREDIT SCORES OF XXXX AND A RATE AT 6.4 % + I SAW AN ADD DIRECTED TOWARDS VETS WITH THE POSSIBILITY OF A RATE NEAR 4 % AND STATING THAT THE NEW DEAL COULD ALLOW 100 % OF THE HOMES VALUE TO BE USED AS OPPOSED TO THE 80 % CEILING FOR NON-VETS. THE COMPANY WE CONTACTED INFORMED US OF THE FACT OUR CREDIT RATING WAS GOOD AT XXXX FOR BOTH ME AND MY SPOUSE THEY STATED THE CREDIT REPORT STATED WE HAD FILED BANKRUPTCY CHAPTER XXXX WHICH INCLUDED THE HOME AND THAT THE SAID REPORT HAD NOT SHOWN ANY PAYMENTS BEING MADE ON THE MORTGAGE FOR WELL OVER ONE YEAR AND TOLD US THAT XXXX WHOM HAD BEEN RECEIVING OUR HOUSE PAYMENTS IN FACT HAD SOLD THE MORTGAGE TO OCWEN FINANCIAL SERVICES! I CALLED XXXX THEY CONFIRMED THE SALE AND SAID THEY WERE JUST IN THE PROCESS OF NOTIFICATION BUT NOT TO WORRY THIS WAS A SEAMLESS TRANSACTION NO WAY OF EFFECTING OUR CREDIT SCORE OR REPORTS.I WAS GIVEN THE WEB SITE FOR OCWEN IN WHICH THE SITE SAYS " HELPING HOMEOWNERS IS WHAT WE DO '' AND THEY PROVIDE A NUMBER FOR DIRECT CUSTOMER SERVICE.WHEN YOU CALL THE AUTO-ANSWER SAYS, '' THANK YOU FOR CALLING OCWEN, OCWEN IS NOT A MORTGAGE LENDER, OCWEN IS A DEBT COLLECTING COMPANY AND ALL XX/XX/XXXX INTEREST STATEMENTS HAVE BEEN SENT.I CHECK VIA XXXX OUR SCORES EVERY 6 MONTHS.EVER SINCE OCWEN HAS HAD OUR ACCOUNT NOW ON OUR XXXX TO XXXX SCORES THERE IS A STAR THAT STATES CLEARLY XX/XX/XXXX CHAP.XXXX BANKRUPTCY DISCHARGED SOME MONTH IN XX/XX/XXXX! THIS COMPANY WAS FINED {>= $1,000,000} BY SOME FEDERAL AGENCY FOR SOME FORM OF ILLEGAL LENDING AND WE DID GET VIA OBAMA 'S AID A HOME MODIFICATION WHICH DID LOWER THE INTEREST TO 4.3 AND THEY SENT A DISCHARGE OF DEBT OF PRINCIPLE OF {$17000.00} YET WE 'RE TOLD THAT WE NEED TO PAY A ADDITIONAL {$95.00} PER MONTH TO AVOID A BALLOON PAYMENT THAT FALLS IN 15 YRS. WE CAN EASILY AFFORD THE EXTRA {$95.00} PER/BUT I DO N'T REALLY UNDERSTAND WHAT IF ANY DEBT WAS DISCHARGED. I WAS CONTACTED BY A LOCAL LOAN OFFICER LOOKING INTO BUYING OUR MORTGAGE FROM OCWEN TO GET IT BACK WITH A REAL BANK AND SHE TOLD ME OCWEN IS NOT NOTATING THAT THEY ARE RECEIVING OUR HOUSE PAYMENT! THE LOCAL BANKER GAVE ME YOUR FOLKS NUMBER AND A LIST OF THINGS THAT OCWEN HAS BEEN TAGGING OUR REPORT WITH! SHE DESCRIBED IT AS BLATANT NIT-PICKING THAT MOST CREDITORS WOULD CONSIDER INSIGNIFICANT AT MOST.i HAVE HAD SEVERAL HEATED TALKS WITH OCWEN WITH REGARDS TO WHY THEY CONTINUE TO POST A CHAPTER XXXX BR IN WHICH THE HOME WAS NOT INCLUDED AND WAS DISCHARGED LESS THAN 4 YEARS LATER AND WHY HAD N'T IT BEEN ON THERE IN XX/XX/XXXX LET ALONG XX/XX/XXXX! AND WHY ARE YOU NOT REPORTING THAT WE ARE MAKING MORTGAGE PAYMENTS! THE ANSWER IS ALWAYS THE SAME WE 'LL GET BACK TO YOU.ON XX/XX/XXXX I DID IN FACT RECEIVE FROM OCWEN A LETTER THAT BASICALLY THEY WOULD NO LONGER BE FLAGGING OUR XX/XX/XXXX DISCHARGED BANKRUPTCY. THE LETTER WAS SHEER LEGAL-LEES AND ALTHOUGH FAR FROM STUPID, IT WAS, AND IS HARD TO TRULY DIGEST. EVER SINCE WE BEEN STUCK WITH OCWEN OUR CREDIT SCORE HAS DROPPED EVEN THOUGH I 'VE ELIMINATED ALMOST ALL DEBT AND OUR INCOME HAS GROWN WE 'RE NOT SEEING ANY IMPROVEMENT AND THIS DESPITE THE FACT WE TOOK SOME ADVISE AND STARTED TO GET A VISA CARD OR TWO TO ESTABLISH SOME REVOLVING CREDIT AS WE WE 'RE TOLD WHEN OUR SCORE WAS AT XXXX THAT BASED ON OUR NUMBERS WE WOULD HAVE A XXXX SCORE! MY WIFE AND I 'S AVG. SCORE IS NOW XXXX TO XXXX RESPECTFULLY. SINCE I HAVE BEEN TRING TO FIND A MORTGAGE LENDER TO GET AWAY FROM OCWEN THESE SAME BANK LOAN OFFICERS ARE TELLING ME AND MY WIFE THAT OCWEN IS WITHOUT QUESTION REPORTING AND FAILING TO REPORT IN A ATTEMPT TO UNDERMIND OUR CREDIT REPORT