My BK7 was discharged on June 4th. I used my free annual credit reports to check my credit reports. Thought it would be a good idea to check info before applying for a secured credit card. Everything looked fine except for a few minor errors (which I disputed).
One thing that did stand out on my credit reports was my mortgage with Citifinicial (changed to One Main). The loan and history of the loan is not on my credit reports. NOTHING! I stopped paying my mortgage in Dec 2011. I do have a car loan with the same lender and its on the credit report.
I have not heard anything from Citi since I filed BK7 in February. My plan was to try and work out a loan modification with citi after the BK7 was completed. Home is $75.000 underwater with a high interest rate.
Any thoughts? Should I contact Citi? Wait for Citi to make a move? Keep saving money while living payment free? I thought they'd flood me with foreclosure paperwork once the BK7 was completed....
One thing that did stand out on my credit reports was my mortgage with Citifinicial (changed to One Main). The loan and history of the loan is not on my credit reports. NOTHING! I stopped paying my mortgage in Dec 2011. I do have a car loan with the same lender and its on the credit report.
I have not heard anything from Citi since I filed BK7 in February. My plan was to try and work out a loan modification with citi after the BK7 was completed. Home is $75.000 underwater with a high interest rate.
Any thoughts? Should I contact Citi? Wait for Citi to make a move? Keep saving money while living payment free? I thought they'd flood me with foreclosure paperwork once the BK7 was completed....
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