Mortgage Credit Reporting "Strange"

[ace300s]

I stopped making my mortgage payments in Oct 2011 and filed BK7 and was discharged a few months ago.

Thought I'd better get copies of all three credit reports and make sure the information was correct. I hadn't checked my reports in years (not very smart I know)...

Well after reviewing my reports I noticed something very strange..... My current lender after purchasing my loan in 2007 has never reported my mortgage loan. In 2008, I took out a second with the same lender which reported the second. However, later in 2008 I refi'd the first and second with the same lender. After that nothing on the loan in regards to my credit reports (except showing the 2nd was closed and refinanced.

This is a major lender. I'm still in the house waiting for them to foreclose. I had never been late on payments until Oct2011. The late payments, the house discharged in BK7, etc is not showing anywhere on my credit reports.

Anyone have any ideas why a major lender would not report my loan to the credit reporting agencies? Did they just miss it? I'm thinking maybe I should go down the County recorder and see what my deed shows?

[df04527]

Sometimes they miss. I'm assuming you did not reaffirm the two mtgs and they were both discharged in bk. If that is the case i would let it go because if they did report it they would report it as IIB, zero balance which is a negative. Even if those mtgs were reaffirmed the pending foreclosure would still make them a negative.

ETA: There is no connection between what the deed shows and what your credit report reflects ( if that is what you meant by that)

[ace300s]

Sometimes they miss. I'm assuming you did not reaffirm the two mtgs and they were both discharged in bk. If that is the case i would let it go because if they did report it they would report it as IIB, zero balance which is a negative. Even if those mtgs were reaffirmed the pending foreclosure would still make them a negative.

ETA: There is no connection between what the deed shows and what your credit report reflects ( if that is what you meant by that)

No reaffirming. Back in 2008 I just refi'd my 1st and 2nd into one loan. The lender seems not to be in a hurry to start the foreclose process. Just wondering if there is a mix up with the paperwork on their end?

I'm wondering when they do forclose if they'll report it to the credit agencies? I'm hoping they'll that as well.

As to the County Recorder. Just wondering if they filed all the paperwork when I refi'd? You always hear about lenders making mistakes, etc....

BTW, thanks for responding. Some good info...