The servicer must suspend reporting the status of a mortgage loan to credit bureaus even though payments are past due as long as the delinquency occurs during an active forbearance, repayment plan, or Trial Period Plan where the borrower is making the required payments as agreed and is directly attributable to:
a borrower or a non-borrower surviving spouse who is unable to continue making the monthly payment due to the death of a U.S. servicemember while on active duty who was either
- a borrower, or
- a family member of the borrower who significantly contributed to the monthly payment.
For more information, please see Servicing Guide section: C-4.1-02: Suspending Credit Bureau Reporting