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Does my mortgage stop being reported by the Credit Bureaus after CH13 discharge?

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    Does my mortgage stop being reported by the Credit Bureaus after CH13 discharge?

    Always learning something. I paid my mortgage outside the plan and was never late. The credit reports are now showing my mortgage closed, included in BK and BK completed.
    Will the mortgage ever report again? I know a 13 does not get reaffirmed.

    I wanted to talk to my bank but they say until they receive notice that the case is fully closed by the court (although now dischrged) will still show on their records that still in BK.

    Are these 2 things right?
    Filed Chapter 13 - 07/20/12
    Discharged 8/2/16

    #2
    What is and is not right when it comes to BK and credit reports is not always clear. But, wait to see what happens after your case closes.

    After my case closed my lender began reporting on two reports that my mortgage is open and current, but it reports on a third report that it was discharged. I tried to dispute it, but all they changed was to specify that it was discharged in Chap 13. I haven't had time to pursue it further.
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

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      #3
      LadyInTheRed Thank you! I'm going to do the sit and wait thing. Strangely enough the bank reported all the payments through my bk and showed everything open and in good standing.
      then stopped when the discharge occured. I just thought they were a little backwards
      Filed Chapter 13 - 07/20/12
      Discharged 8/2/16

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