I posted previously about my loan maturing this past Feb w/a balloon payment due, which I did not have. I was granted a 5 yr modification, with a 6 month trial period from February - July. All of the trial payments were made on-time prior to the due date. However, the last reported payment on my credit report was in March. Are trial payments supposed to be reported? I asked the rep when I called to schedule my August payment, but she said something about once I start with the permanent payments it will resume. Are payments that are not reported or 'no data available' for those months calculated the same as on-time payments. I've worked very hard to improve my credit across the board so want to make sure the payments from April on are reported correctly. Thanks!