My chapter 7 is finally discharged but I notice that my car that I reaffirmed and my mortage are reporting under the bankruptsy on my credit report. What do I have to do so that this starts reporting my payments? What r the first steps to rebuilding or should I wait a while?
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Please see our moderator's sticky on rebuilding. The link follows. Also, I won't talk about the reaffirmation itself, which is usually not a good idea, but you'd have to talk to the creditors about the reporting of those accounts.
The following is kind of a distillation of various bits of post-discharge advice (from my "do as I suggest, not as I did" department) I've helped other folks out with: Following your discharge: Wait 6 weeks and then get copies of all three of your credit reports from annualcreditreport.com Go through those reports
Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
Visit My BKForum Blog: justbroke's Blog
Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.
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