Just found out - Chase auto

[leverage]

That my car loan that is paid outside my Ch13 is not being reported to any credit bureaus.

My lawyer told me it was a good way to build credit during the payment period and it's not even being reported.

I called Chase and they said it is standard practice (or legal obligation, can't remember) that they don't report anything at all.

Does this sound right?

[NoTomatoCan]

Yes, that is their choice. Reporting to the credit bureaus is totally optional. I am not an expert, but it seems like many organizations do not want to report even positive pays because of the risk of an automatic stay violation for reporting negative. For a big organization like Chase, that does not surprise me.

[val4747]

This may be off topic. But, how did you get to keep your loan outside the plan?

[debtinohio]

This may be off topic. But, how did you get to keep your loan outside the plan?

In *most* districts any secured asset that is current can be kept out of the plan. Mine was in the plan so it can squeeze a 72month loan into 60 :-) It raised the car payment from $550 to $599 but what do I care - it just took it from unsecured anyway.