Deed in Lieu and late mortgage payments

Jun 202010
 

I completed a deed in lieu in May 2010. Experian reported it as:

 

Account History:
Creditor received deed as of May 2010
180 days past due as of Oct 2009 to Apr 2010
150 days past due as of Sep 2009
120 days past due as of Aug 2009
90 days past due as of Jul 2009
60 days past due as of Jun 2009
30 days past due as of May 2009

 

Status: Creditor received deed

 

This deal began as a short sale offer submitted in June 2009 and then a very long wait for approval in December 2009 followed by a failed closing due to seller financing falling through. I then requested a deed in lieu of foreclosure in March 2010 which was a surprisingly smooth process. Do I have any recourse on getting the lates reduced to at least 90 days since there was an offer on the table for 6 months? Shoud I try – my credit score is now 641 down from 758 before late payments.

Right to decline offer after approval (Credit Card Act)

Feb 082010
 

I can’t seem to find this information anywhere, so I was wondering if anyone had any information on the topic.  When the new CC laws were being proposed, I remember there was a provision that would allow consumers to accept or decline the offer the CCC made when you are approved for a new CC in the terms and conditions mailed to you with the new card.  If you declined their offer to you, the new account would not show up on your credit report.  Is this still on the table?  Will it be enacted this year, or was that struck from the bill?