I just received my permanent modification this past September. My trial payment months were June, July and August. Only 1 CRA reported a late pay in May, but the others have not reported anything since April. Does anyone know how reporting works once a perm mod is approved? I have made 2 on time payments for Sept and Oct, but no reporting from BOA. I am really hopeful this will help give my scores a little bump, or am I dreaming?