We obtained our free yearly Credit Reports. Some descrepancies have popped up since we last cleaned them up. Note we are discharged from a Chapter 13; discharge taking place August 2006.
We bought out early from our Chapter 13 via refinancing; at that time our main mortgage and second mortgage (home equity) were paid off and during our Plan we paid both of those mortgages outside the plan. The second mortgage that was paid off now, for some reason, was listed as a revolving credit account with TransUnion which we disputed and had corrected to show it was a mortgage and has been taken out of the unsatisfactory account section; however, under the comments section, the wording "Reaffirmation of Debt" appears. Note this second mortgage was through a credit union. We did not have any issue with our main mortgage being reported correctly.
My husband and I never signed any paperwork for reaffirmation and I am checking for any suggestions on what to say to have that wording removed. Has anyone ever encountered this before?
Many thanks!
We bought out early from our Chapter 13 via refinancing; at that time our main mortgage and second mortgage (home equity) were paid off and during our Plan we paid both of those mortgages outside the plan. The second mortgage that was paid off now, for some reason, was listed as a revolving credit account with TransUnion which we disputed and had corrected to show it was a mortgage and has been taken out of the unsatisfactory account section; however, under the comments section, the wording "Reaffirmation of Debt" appears. Note this second mortgage was through a credit union. We did not have any issue with our main mortgage being reported correctly.
My husband and I never signed any paperwork for reaffirmation and I am checking for any suggestions on what to say to have that wording removed. Has anyone ever encountered this before?
Many thanks!