Reafirm Mortgage?

[yoyoma51]

One thing that hasn't been mentioned here is that in many cases, if you do not reaffirm your mortgage, they stop reporting to the credit bureaus.

Our lawyer contacted our lender when we filed and they confirmed this.

It would seem that if you do reaffirm, it would be helpful in rebuilding credit.

Our situation may be different than some, however, as we do not owe more than what it is worth and our home isn't very expensive ($120k).

[happy_ira]

My mortgage is with Wells Fargo as well. It was not reaffirmed due to the lawyers for the mortgage company not getting the paperwork filed on time. I was scared to death! But it's been now almost 10 months since discharge and I have had no problems.

BKTango... and others with Wells Fargo... just curious as to how it is going now with post discharge and not reaffirming. Is WF still accepting payments, etc.?