Tried to refinance twice and was turned down. When I was told I could after a year its been two years.
I also tried to defer a payment and was told my reason wasn't a good reason. Then I tried to talk to another person and was denied because my story wasn't exactly the same as the notes.
I was surprise how rude the representative was. That made me fill like I tried to steal from them when all I want to do is skip one freaking payment.