Dave Peterson of Warren County read our recounting of the Crisciones — the family that struggled to get a modification on their second mortgage. Peterson had a story, and a question, of his own.

Working in sales, Peterson earns as much as 50 percent of his salary from commission. In this economy, he’s watched his income drop. In March, Peterson’s wife lost her job. She’s since found work, but the couple still had great concerns about meeting financial obligations.

Back in February, the Petersons requested a modification from their lender, Chase Home Financial. They filled out forms and wrote a hardship letter. After many follow-up calls, faxes and e-mails, they were offered a modification that would significantly reduce their mortgage payment.

The couple were thrilled. Then they asked the $64,000 question: what would happen to their credit scores?

Full story is available on  NJ.com