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TL Status if not reaffirmed

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    TL Status if not reaffirmed

    Question:
    If I do not reaffirm a TL, how will it read on my CR?

    I reaffirmed my mortgage and HELOC, my discharge is in a week. Right now my mortgage is showing IIB. Is this how it should show until my discharge?
    I checked PACER and the reaffirm paperwork is there online.
    My HELOC is reaffirmed per the cust serv rep. They received the paperwork. I do not see it in PACER though. SHould I question that?

    Again my discharge is in a week. Please help.

    SHOULD ALL REAFFIRMED TL SHOW NORMAL STATUS?
    Chapter 7
    Discharged: 1/23/06
    Closed: 1/23/06

    DH
    12/19/05: TU-550 | EF-482 | EX-524
    01/16/05: TU-519 | EF-485 | EX-524

    DW
    12/19/05: TU-530 | EF-517 | EX-550
    01/23/05: TU-527 | EF-443 | EX-550
    [/font][/size]

    #2
    It can take a bit of time for things to update on the credit report. Most creditors only report/update once per month.
    Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.

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