Reaffirmed Mortage shown as discharged

[hamburgervol]

I pulled a free credit report and was surprised to see my 1st mortgage being reported as discharged through bankruptcy in October. We signed a reaffirmation and our attorney signed it as well. How do i get this corrected?

[aces67]

When was the reaffirmation signed? My mortgage company said it would take 60-90 days after signing the reaffirmation for it to update on our CR.

If nothing else just call your mortgage company and ask them what their rules are.

[hamburgervol]

It was signed 8/12/2009. My attorney sent me a copy of the signed reaff on 9/4/2009 via e-mailed pdf.

[aces67]

Then call your mortgage company and ask them. I called and just told mine that we signed a reaff on such and such date and that we were really hoping to get our CR updated to show that.

Good Luck!

[HHM]

You are in a grey area, unless the reaffirmation includes a clause about continuing to report the mortgage on your credit report; there is a dispute about whether the lender must do so.

First, contact the mortgage company (for all the good it will do), and see if you can get it taken care of that way. If not, then you need to dispute the entry through the normal course with the credit reporting agencies.

[hamburgervol]

Then call your mortgage company and ask them. I called and just told mine that we signed a reaff on such and such date and that we were really hoping to get our CR updated to show that.

Good Luck!

Did your call fix the problem?

[hamburgervol]

update

I called my lender's BK dept this morning. They stated that they never received the reaffirmation agreement. The BK dept at the lender stated that my "case" was still open. I informed them I was discharged. I have sent an e-mail questioning my attorney on this.

My plan is/was to possibly refinance this in 2 years via FHA. I wonder how this will effect that?

[AlreadyFiled]

Mine said that also with a mortgage I 'thought' was reaffirmed. Had my signed papers, but not their signature ones? They said they 'never received them' but i hear from my attorney this happens ALOT.

So, i am not re-affirmed even tho i thought i was. Must make on time payments.

[HHM]

I called my lender's BK dept this morning. They stated that they never received the reaffirmation agreement. The BK dept at the lender stated that my "case" was still open. I informed them I was discharged. I have sent an e-mail questioning my attorney on this.

My plan is/was to possibly refinance this in 2 years via FHA. I wonder how this will effect that?

Was the Reaff ever filed and signed by the BK judge.

[aces67]

When I called they updated everything but in our case they did receive the reaffirmation and it got filed before our case was discharged.

[hamburgervol]

Was the BK ever filed and signed by the BK judge.

I'm discharged but not closed yet. My attorney signed the reaffirmation.

[HHM]

I'm discharged but not closed yet. My attorney signed the reaffirmation.

I meant to ask, was the reaff ever filed with the court and signed by the judge.

[hamburgervol]

I meant to ask, was the reaff ever filed with the court and signed by the judge.

I see no record of it on Pacer. Should my attorney have sent it to the courts or the lender's attorney?

[HHM]

It needs to go to the lender to sign.

Honestly, this is not a big deal. It is probably better that you did not reaffirm the mortgage. I wouldn't worry about it; your credit will recover in the same amount of time, regardless.

[hamburgervol]

It needs to go to the lender to sign.

Honestly, this is not a big deal. It is probably better that you did not reaffirm the mortgage. I wouldn't worry about it; your credit will recover in the same amount of time, regardless.

That's pretty much what I was thinking. I just hate that it won't be reported to the credit agencies. I do have a new auto that is reporting so that will help.

After pulling my credit, I realized now I'm almost debt free now.(according to my CR)

In the event I do refinance in 2 years, how will FHA determine my payment history? My bank statements would be proof.