We filed in March and was discharged July 1, 2011. Boa would not reaffirm the 1st mortgage, as we learned they don't reaffirm any mortgage loans. We did reaffirm the 2nd mortgage. I really think that I'm a payment behind on my first mortgage and current on the reaffirmed mortgage. The payment invoice that I received shows the regular balance due. I called and ask them BOA if I was behind and the lady said she couldn't see if I was or not, only the payment that was due. My goal is to stay current for the next two years so that I can refinance. So my question is, does it really matter since the first mortgage I don't think will report anything to the credit bureaus since it wasn't reaffirmed? Or should try to scratched together another payment to send in to be certain?
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