I just noticed that my second mortgage is not showing IIB on my credit report. It shows the account in good standing, no late payments, it does not mention the chapter 7 at all. I did not reaffirm this loan, should I update it on my credit report or leave it as is? Will I benefit from leaving it alone and let it continue to report positive on my credit report, or is it best to get the balance taken off of the report?
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To err is human. To really mess things up, you need a computer. -
I would let it stay as long as its positive, that is a good thing that will help you. -
That's what I've read at other Credit Repair websites.Originally posted by FilingOnMyOwn View Post
If it's a positive reporting trade line, leave it be. It's good for you.
If there's some sort of change, for some reason, you might need to address it at a later date. Maybe keep an eye on it and let it be for now.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...Comment
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Thanks to both of you for the advice!!! I will just leave it be and see what happens.To err is human. To really mess things up, you need a computer.Comment
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