Should i reaffirm my house

[perfectimagetlm]

I filed on 9/19/05 chapter 7.
I told my lawyer that i wanted to keep house which i still have and have been current the whole time even before BK. I noticed my credit report over the weekend has no history and about a year ago my lender ABN Amro sold it to Citimortgage and they don't report any history either. Citimortgage said i will have to reopen BK case and do a reafframation. I want to build my credit fast as possible and only have a truck that my dad co-signed for me to build my credit. What should I do??

[deafbroke]

I have responded to many posts on reaffirmation and I would never reaffirm. You are not legally required to reaffirm a loan. Talk to your attorney about citimortgage saying you have to reaffirm. I think it's bull. If you reaffirm you are setting yourself up for a headache later, a big one.

DB

[cherir]

Reaffirmation does not guarantee that the lender will report your payments. It would be terrible if you reaffirmed and found this out with your particular lender. You already have a "ride through" that is working, and I wouldn't mess with it if I were you.

[keepmine]

You must sign the reaffirmation prior to discharge.

http://doney.net/bkcode/11usc0524.htm

(c) An agreement between a holder of a claim and the debtor, the consideration for which, in whole or in part, is based on a debt that is dischargeable in a case under this title is enforceable only to any extent enforceable under applicable nonbankruptcy law, whether or not discharge of such debt is waived, only if--

(1) such agreement was made before the granting of the discharge under section 727, 1141, 1228, or 1328 of this title;

The phone jockey at Citi has no idea what they're talking about. Just leave it alone.
Open a credit card account and pay it off every month. That'll help establish new credit history.

[RedLight]

I know it is purely a personal decision. For us, we are reaffriming our house as we DO NOT want to lose it. We will never be in the predicament we are in right now again. I could care less about payments being reported, I don't want to ever have the feeling of being without our home. Just my opinion, but what do I know.