Does Mortgage co still report if I didnt reaffirm?

[itcaughtup]

Hello all, its been awhile since I've had questions but this has always been a very helpful place. I was discharged through chapter 7 in aug. 08, I have been paying my mortgage with countrywide ever since, I just recently made my first late payment, 30 day late. I paid it and I'm caught up but I am curious if that will be reported. I have read here that once you are discharged and if you do not reaffirm that countrywide stops reporting, does this include if you are late?? Thank you.

[HHM]

You can let us know.

I don't think they would, but I wouldn't put it past them to report the derogatory entries after a BK.

[IBroke]

Hello all, its been awhile since I've had questions but this has always been a very helpful place. I was discharged through chapter 7 in aug. 08, I have been paying my mortgage with countrywide ever since, I just recently made my first late payment, 30 day late. I paid it and I'm caught up but I am curious if that will be reported. I have read here that once you are discharged and if you do not reaffirm that countrywide stops reporting, does this include if you are late?? Thank you.

As far as I know, they are not allowed to report if you didn't reaffirm. The reason:

LEGALLY, you don't owe them money - that's why they can't report a balance or late payments.

[itcaughtup]

thank you both, I will keep checking my credit report!

[TEW]

I can tell you that Wells Fargo did not report my mortgage paid in full.

[2Bshinyandnew]

Post discharge no reaffirmation, Mortgage Service Center for Banktlantic is reporting:
zero balance, IIB, pays as agreed/never late