I checked my credit report last night and found that all seems to be going well so far. All of my bk stuff is correct, balances are zero and show IIB. The only one that is not correct is Providian, which shows zero balance, but still shows +120 late. I have sent in a dispute with this one. All of them show $0 under charge offs and info seems to be correct. As for my mortgage, it does say zero balance and IIB. My home equity line acct(2nd) says in good standing and they are still reporting my payments, both of which I had during my filing. I will have to contact my mortgage company to inquire about this, because if I'm making the payment and have never been late, I need that to show on my credit. My only concern was, what if down the road, as long as I have good standing on my account, could they try and foreclose on my home for no reason if I don't reaffirm? That kind of worries me because they have never contacted me about a reaff, or even stopped sending me statements. My account is in good standing on the first/second mortgage and has never been late. Is the only way to get the mortgage company to start back reporting to sign a reaff? Just wondering about some of these things.
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I checked my credit report last night and found that all seems to be going well so far. All of my bk stuff is correct, balances are zero and show IIB. The only one that is not correct is Providian, which shows zero balance, but still shows +120 late. I have sent in a dispute with this one. All of them show $0 under charge offs and info seems to be correct. As for my mortgage, it does say zero balance and IIB. My home equity line acct(2nd) says in good standing and they are still reporting my payments, both of which I had during my filing. I will have to contact my mortgage company to inquire about this, because if I'm making the payment and have never been late, I need that to show on my credit. My only concern was, what if down the road, as long as I have good standing on my account, could they try and foreclose on my home for no reason if I don't reaffirm? That kind of worries me because they have never contacted me about a reaff, or even stopped sending me statements. My account is in good standing on the first/second mortgage and has never been late. Is the only way to get the mortgage company to start back reporting to sign a reaff? Just wondering about some of these things.
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Originally posted by swiminindebt I checked my credit report last night and found that all seems to be going well so far. All of my bk stuff is correct, balances are zero and show IIB. The only one that is not correct is Providian, which shows zero balance, but still shows +120 late. I have sent in a dispute with this one. All of them show $0 under charge offs and info seems to be correct. As for my mortgage, it does say zero balance and IIB. My home equity line acct(2nd) says in good standing and they are still reporting my payments, both of which I had during my filing. I will have to contact my mortgage company to inquire about this, because if I'm making the payment and have never been late, I need that to show on my credit. My only concern was, what if down the road, as long as I have good standing on my account, could they try and foreclose on my home for no reason if I don't reaffirm? That kind of worries me because they have never contacted me about a reaff, or even stopped sending me statements. My account is in good standing on the first/second mortgage and has never been late. Is the only way to get the mortgage company to start back reporting to sign a reaff? Just wondering about some of these things.
As long as you make the pauments, they have no legal standing to forecloseon you and actually, that would be quite illegal. As long as you pay your bill, you'll have no problems.
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