Foreclosure after Bankruptcy

hello, i filed chapter 7 bankruptcy in january 2008 and it was discharged shortly thereafter. the mortgage for my home was included in the bankruptcy and i've been living here ever since however the loan was not reaffirmed by the lender. i've read that even if the home is foreclosed on it could negatively impact my credit... 1) was i understanding that correctly and 2) if that is the case how is it that for the last 2 years my payment history (good or bad) has not been reported to the credit bureaus for my mortgage but the foreclosure will suddenly allow it to be reported? if i had not stayed in the house and stopped making voluntary payments right after the bankruptcy would they have been able to report it then (as far as my credit report shows it looks like i lost the house as part of the bankruptcy anyway...) (also - i know i need to talk to my lender and i will but i have a hard time trusting them at all at this point - ultimately i do realize i got myself into this mess and i want to get out of it without setting myself up for failure down the road)

thanks for help everyone.