top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Credit Report Showing Non-Reaffirmed Mortgage as 30 Days Late

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    Credit Report Showing Non-Reaffirmed Mortgage as 30 Days Late

    Our Chapter 7 was discharged last summer, and we elected not to reaffirm our mortgage. I noticed that our bank has reported it as 30 days past due three times since the discharge. (It may have been, although I could swear it is caught up now, but that's really a totally separate question.)

    My question here is, since the mortgage was IIB, should they be reporting on it to the credit bureaus? I've seen other posts where people are frustrated that their timely payments don't count to their advantage, so shouldn't the reverse be true as well? Mind you, I'm not advocating late payments by any means...the collections guy I've worked with at the bank said that we were caught up. I'm just not sure he's the sharpest tack over there...

    #2
    Originally posted by RNY09 View Post
    My question here is, since the mortgage was IIB, should they be reporting on it to the credit bureaus?
    Since it wasn't reaffirmed, the clear answer is: NO!
    Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
    FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
    FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

    Comment


      #3
      That's what I thought. The guy I work with at the bank is pretty nice...can I just ask them to remove the notices on my credit report, or do I have to go through the dispute process through the CRA?

      Comment


        #4
        Originally posted by RNY09 View Post
        That's what I thought. The guy I work with at the bank is pretty nice...can I just ask them to remove the notices on my credit report, or do I have to go through the dispute process through the CRA?
        The most effective way is to ask the bank directly.
        Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
        FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
        FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

        Comment

        bottom Ad Widget

        Collapse
        Working...
        X