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None. In XX/XX/XXXX I acquired about hardship for my mortgage. XXXX sent me papers to fill out. On XX/XX/XXXX I mailed all my papers to XXXX in loss mitigation customer care. I again had to mail her more papers on XX/XX/XXXX. I expressed my concern about not be able to make XX/XX/XXXX house payment. I told her I have never been late in 12 years since my husband died in XX/XX/XXXX. She informed me that I was seeking help and nothing would happen to me for not making the payment. She said I qualify for help and I would be ok. I am so disappointed in her terrible advice. I would never have not made the payment, I would have asked my family for help to make XX/XX/XXXX 's payment if I would have known Fifth Third would report me immediately on my credit report and lower my credit score by XXXX