Who has NOT reaffirmed their house but continued to make payments?

[Freddy03]

I want to hear what the experience has been from people who have filed Ch 7 and did NOT reaffirm the house but continued to "stay and pay".

Mortgage company name?
How long have you been "paying and staying"
Do you have any equity?
Any problems?
Have you been late on any payments post discharge?

Thanks so much!

[Faust]

We did not reaffirm.

Lender: BOA
Equity: None
Late: Late once by 10 days.
Trouble: None

[Freddy03]

We did not reaffirm.

Lender: BOA
Equity: None
Late: Late once by 10 days.
Trouble: None

Thanks!

[BKInLA]

Mortgage company name? PenFed
How long have you been "paying and staying" - 5 Months since Discharge
Do you have any equity? Maybe a few thousand
Any problems? No
Have you been late on any payments post discharge? No

[Freddy03]

Mortgage company name? PenFed
How long have you been "paying and staying" - 5 Months since Discharge
Do you have any equity? Maybe a few thousand
Any problems? No
Have you been late on any payments post discharge? No

Thanks

[machfive55]

Lender: CitiMortgage
Length: About 4-5 months
Equity: About 40k
Problems: None really, but the lender doesn't report payments on our CR's. I guess I expected that, but I'd like to have them report to rebuild credit
Late: Never

So, as mentioned, I wish the lender would report. For this reason, and the fact that rates are low, I'd really like to refi. Even if I could refi at the same interest rate, it would be worth it to get reporting again and rebuild credit. I had a rate quote around 4.25% with my credit score, etc, but they could not do it due to the BK being less than 2 years since discharge.

[indeep59]

Lender: Bank of America
Length: About 4-5 months
Equity:0
Problems: None really. They are reporting me current and wiped out all lates from previous months.
Late: No