Mortgage reported wrong on credit report

[willbebetter]

Hi everyone! I am new here...please let me know what you think of this one.
We filed chapter 13 - 12/2003
paid for 4 long years!
discharged 12/2007

When we filed we had mortgage arrearage that was included and paid off in our plan. Also during the plan...Feb. 2007...to be exact we refinanced our mortgage with Wells Fargo due to there being a balloon note due on the first mortgage.
We have been very dilligent in paying that mortgage on time and thought that our credit was being helped by it.
After our discharge I pulled our credit and to my horror! Wells Fargo was reporting our mortgage as discharged through bankruptcy.
Which is completely wrong! I have had the worst time fixing this.
Does anyone have experience with this at all!
Any help you can give me is greatly appreciated!

[Flamingo]

Unfortunately, your first mortgage was included in your Plan payments (arrearages) and I cannot determine from your posting if your mortgages payments were paid by your trustee or paid directly by you. Your first mortgage was part of your Plan and listed as a creditor in your Plan. Since your first mortgage was actually part of your plan you have have a tough time getting that removed. The "being discharged" in your Plan is incorrect inasmuch as it was refinanced during your plan and paid off prior to your discharge. The best way to handle this is to work with both the CRA and Wells Fargo. Send a letter to Wells Fargo, copying the CRA, enclosing a copy of your discharge and any paperwork you have from them (copy of settlement sheet, etc.) showing the date the mortgage was paid off and refinancing took place. That should take care of the "discharged through BK" wording and hopefully may also remove the "included in BK" wording. You do need to know that your first mortgage WAS part of your Chapter 13 and you may or may not be able to get that wording removed.

It takes time to get all this done. You may have this show up on all three credit reports and you will have to repeat the same process with each. Best of luck to you!