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Does re-affirmed vehicle loan report post discharge?

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    Does re-affirmed vehicle loan report post discharge?

    I was discharge back in November but I remember getting letters from auto loan places stated that if I reaffirm my current vehicle loan, the loan will NOT be reported after my bankruptcy. Is there any truth to this? I did end up reaffirming my auto loan because I had just bought a brand new car in February at a good rate and of course I wanted to keep it. I just wanted to make sure I don't have to do anything to make sure the loan is being reported properly.

    Thanks.

    #2
    The vehicle I reaffirmed with my CU reported as "reaffirmed" and the history continued to report each month.

    Not all lenders will report, but mine did. The only way to know is to pull a copy of your report and check it out. Go to www.annualcreditreport.com to get your free report
    Filed CH 7 9/30/2008
    Discharged Jan 5, 2009! Closed Jan 18, 2009

    I am not an attorney. None of my advice is legal advice in any way..

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      #3
      I pulled my Equifax a few days ago and my reaffirmed CU auto loan is showing IIB. My reaffirmation posted days before my discharge (less than one month ago). I'm disputing. We shall see.
      *Filed: September 23, 2009 *341: November 4, 2009 *Discharged: January 4, 2010 *Closed: January 20, 2010

      Hakuna Matata...it means NO WORRIES!

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        #4
        Originally posted by StartingOver08 View Post
        The vehicle I reaffirmed with my CU reported as "reaffirmed" and the history continued to report each month.

        Not all lenders will report, but mine did. The only way to know is to pull a copy of your report and check it out. Go to www.annualcreditreport.com to get your free report
        Mine is reporting this way as well.
        Filed 5/29/09
        Discharged 9/14/09

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          #5
          My auto loan is reporting as reaffirmed, paying as agreed, never late. Which is nice of them since I was perpetually 30 days late for about 6 months prior to filing.
          Case Closed > 2/08/2010

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            #6
            Mine is NOWHERE to be seen on my credit report...not even as IIB. It's wiped out, gone, on my credit report. Yet, we still pay every month.
            Filed Chapter 7: 3-22-08
            341 Meeting: 5-15-08 It went great!!!
            Last day for objections: 7-14-08
            Discharged and Closed: 7-21-08

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