Posted on: 30th Mar, 2012 12:28 am
Hello… Chapter 7 was discharged in November, 2011. 2 loans reaffirmed. Both the loans are now showing added back to Chapter 7 on Feb 24, 2012 with zero balance. Who reports the bankruptcy statuses to the credit bureaus?
Hi Goran!
Welcome to forums!
I don't know what you exactly wanted to mean by "added back to Chapter 7 on Feb 24, 2012 with zero balance". If you have reaffirmed the mortgage, then your credit report shouldn't show zero balance. Rather, the lender is bound to report the payments to the credit bureaus. The creditor is the one that is supposed to report the tradeline accurately. So, you should contact your creditor and try to sort out the matter.
Feel free to ask if you've further queries.
Sussane
Welcome to forums!
I don't know what you exactly wanted to mean by "added back to Chapter 7 on Feb 24, 2012 with zero balance". If you have reaffirmed the mortgage, then your credit report shouldn't show zero balance. Rather, the lender is bound to report the payments to the credit bureaus. The creditor is the one that is supposed to report the tradeline accurately. So, you should contact your creditor and try to sort out the matter.
Feel free to ask if you've further queries.
Sussane
Hi Goran,
I agree with Sussane that it is your creditor/lender who will report the bankruptcy filing on their accounts to the credit bureaus. If you have issues regarding the status of these accounts, you will have to contact your creditor/lender and your bankruptcy attorney.
Thanks
I agree with Sussane that it is your creditor/lender who will report the bankruptcy filing on their accounts to the credit bureaus. If you have issues regarding the status of these accounts, you will have to contact your creditor/lender and your bankruptcy attorney.
Thanks