Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Should I let this go?

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  • Should I let this go?

    As I mentioned on another thread, we decided to reaffirm our mortgage with Wells Fargo. Whether we should have done that or not is not the question here. What's done is done. (I already know, we shouldn't have.)

    As I also talked about on another thread, they stopped reporting in July 2017 when we filed. Just, stopped updating it at all. We have not missed a payment, in 15 years with this mortgage we have not had a single late fee. We continued to make our payments on time throughout the bankruptcy process.

    This week we got ahold of them to find out why they were not reporting our payments. She said they were showing the debt as "both reaffirmed and discharged" in their system. Well, this can't be. They said we needed to contact our attorney. So we did.

    Today I see on our credit wise report that they have now updated our current mortgage balance, but the payments for the remainder of 2017 now just say "NR". Our account is also now listed as "derogatory" and there is a note that says "reaffirmation of debt". It does show in the on-time payments section: 100%.

    I guess I don't understand why they felt the need to list our account as derogatory when we have done absolutely nothing "wrong" with them -- and even reaffirmed a debt we most certainly did not have to reaffirm. The credit union where we reaffirmed the car loans did not do this -- everything looks good there.

    So I am trying to figure out if this sounds right to you guys, or if I need to pursue this. I can try getting ahold of Wells Fargo again, ask to the attorney about it, or...? Or I can let it go and move on with my life. Thoughts? What would you do?

  • #2
    Just a quick update to say nevermind.

    Apparently it was a coincidence that our credit information updated at the same time as we contacted the attorney. Wells Fargo is still working on correcting this information and she told me to let her know if it is not correct in 30 days.

    I also just want to say I am impressed with the response I have gotten from both my attorney and the paralegal on this. We hear so many stories here of attorneys not responding and having to wait forever. They are on it!


    • #3
      I'm glad that this was nothing more but a coincidence. It would have been kind of nasty if it wasn't. Thanks for sharing the story, Chrysalis. It's good to read these kinds of experiences.


      • #4
        Well, it's been a month & still doesn't look any different on creditwise. I will update if it's ever actually corrected.


        • #5
          This is unrelated -- but worth sharing another experience here.

          Just got a notice from creditwise that there has been an important change on my husband's report.

          His JCPenney card (Synchrony) -- which he has had for 14 years -- had zero balance at the time of filing in July 2017.

          We were discharged in October 2017. Made a few small purchases with this card in December 2017, just to see if it would work and truly "survived" the bk.

          Got a bill last month, paid $40 of the $60-something balance, and let the rest revolve.

          So the important change? They've closed his account ~ the alert says "new bankruptcy" and "an account provider reports that when you filed for bk and listed this account as one of the ones you could not pay". It most certainly was not... as we had nothing to discharge at the time. That card is rarely used, and they weren't on the list of creditors at all.

          Anyway, now the $20-something we were going to pay them this month is listed as zero balance. {shrug} We made purchases almost 2 months post-discharge... paid as agreed, and they decided to write it off. O-kay then.


          • #6
            Hi..if it were me, I would put in a dispute with the credit bureaus (experian, equifax and Transunion) regarding your mortgage. Just check the box that says verify everything and if there is space for explanation, write, payments have been made without fail for the past 15 years. My account should be showing as open without any derogatory comments. It took me a time or two but mine were all cleaned up (we were in a 13 so no reaffirmation). Unfortunately some companies don't update bk info immediately and it looks like JC Penny (Synchrony) is one of them. It's too bad they didn't catch the bk earlier. It would've saved both of you the situation that's now occured.
            Filed Chapter 13 - 07/20/12
            Discharged 8/2/16


            • #7
              Well, sophieanne, now we are like $21 richer. Lol. It's not a huge deal -- I just thought it was interesting that they would discharge a debt when they had absolutely no legal obligation to do so. Why not take your chances and see if we paid the remaining balance? Like I said, we had already sent a payment last month. Just seems dumb to me on their part, but that's also because I know myself and I know that I am going to pay my bills. To them, we are just another name on paper and it looks like a risk. So I understand that.

              I was hoping that the paralegal was going to get this straightened out with Wells Fargo and it would all magically appear fixed. But I appreciate your advice, and it looks like we may end up having to take it. I just don't have time to mess with it right now. Can you do that through ... or how did you do it? Credit karma?


              • #8
                Actually you can do it either way...use Credit Karma or the annual credit report. Personally I would go through Credit Karma since you can initiate it from there. I would save my Annual Credit report for a little later, after all the dust has settled on your case. Since it's free, just hold on till you really want to check that everything has been updated correctly. And with the annual credit report you can only do 1 bureau at a time. So it takes 3 months in total to check/update (if necessary) the 3 reports.
                Filed Chapter 13 - 07/20/12
                Discharged 8/2/16


                • #9
                  Originally posted by sophieanne View Post
                  A. And with the annual credit report you can only do 1 bureau at a time. So it takes 3 months in total to check/update (if necessary) the 3 reports.
                  you can do all three the same day. However, the first window must remain open. If you took 3 months in the past, then each report will be spaced 1 year later. If you wait until the third month plus a year, then all three should be available at the same time.

                  You can apply for credit then get a free report, be looking for a job and get a report, any one of the numerous data breaches give usually more than one free report. The only reason to pay is if you don’t want to go theough the hassle or you want your actual FICO score, and I think the real FICO (not a “consumer feel-good number) is through the FICO company itself.


                  • #10
                    Maria80386 - Thanks for the info. When I started pulling reports a couple years ago, I was only able to do 1 per month and then, as you said, it was spaced out the same way for the following year. Good to know it can be done all at once. And yes, there are other ways to get a report, if you're applying for a job or credit (but that's not always happening).
                    Filed Chapter 13 - 07/20/12
                    Discharged 8/2/16


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