Post Discharge Reporting - Student Loans and Reaffirmed debt

[wesleyh09]

Hi All! Discharged Feb 12 2014 and I am a member of MyFICO and Truecredit and found when I pull the Transunion report that in the Pay section of my reaffirmed car lease, reaffirmed mortgage and student loans it shows, current pays as agreed. Great. But in the REMARKS section, it says Remarks: >CHAPTER 7 BANKRUPTCY<. Is that correct? None of those were included. Why would it say that? Can they say anything in the remarks section?

-Wes

[justbroke]

It was reaffirmed in a Chapter 7 bankruptcy so that's the reference. Trust me that the affect of actually filing the Chapter 7 bankruptcy (and it being on your credit report for 10 years), will have a greater weight (even in 2 years) than those 'remarks". What really counts is the payment history, current status, balance and rating.