I initially went to the workshop in 2016. I met with my assigned counselor a few months later and was told that I needed explanation letters and because I had one late payment, I had to wait another year. In that year, I made several attempts to contact my counselor but found out that he had quit and my file was just sitting in limbo for MONTHS! I was then assigned a new counselor who did an over the phone session with me and told me that I had to wait a couple of months before the one year was up. She advised me on how I was looking up to that point and told me what things she needed from me. A few months after that, I find out that SHE is no longer my counselor and my file was transferred to someone else AGAIN! So in the past two years, I have increased my credit score by 100 points, disputed items and removed them off of my report and haven’t had any late payments. I get laid off in 2016 and started to work contract and I enrolled in school full time. My rent has NEVER been late, utilities have NEVER been shut off and all of my bills were still maintained throughout my unemployment. Will this benefit me when I have my appointment with my now FOURTH counselor? I am starting from scratch it seems like each and every time. Life happens and if I keep getting shifted around, there will always be an excuse to keep me waiting. Does the counselor and underwriter look at extenuating circumstances and payment history when looking over the file? I can never speak directly to my “counselor” and the customer service reps cannot give me solid advice on where I stand or what more I need to do. What do I do?