I pulled my 3 free CR's and on one my HELOC payments are is still being reported. (Chapter 7, 8-13-10 discharged 11-13-10) I am still living on property 1st 156K, 2nd 22k, property worth 170k. Loans were NOT reaffirmed.
The loan is showing as included in bk and balance is zero. I'm not making payments on the loan and it is being reported as "unknown" if payment is made for particular months. The payments I made post bk up to when I stopped are being reported as "ok". I thought the reporting stopped after and to the bankruptcy. I want to buy a new home in the next few years and am working on my credit score, which is currently 614, but it had been higher then started dropping, which is why I looked at the reports
Am I wrong in thinking the reporting should have stopped? If so, do I have recourse?
The loan is showing as included in bk and balance is zero. I'm not making payments on the loan and it is being reported as "unknown" if payment is made for particular months. The payments I made post bk up to when I stopped are being reported as "ok". I thought the reporting stopped after and to the bankruptcy. I want to buy a new home in the next few years and am working on my credit score, which is currently 614, but it had been higher then started dropping, which is why I looked at the reports
Am I wrong in thinking the reporting should have stopped? If so, do I have recourse?