Latest Posts
Home > Ask The Get Out of Debt Experts > We Filed Bankruptcy And Saved Our Home and Car. How Do We Rebuild Our Credit? – Annie

We Filed Bankruptcy And Saved Our Home and Car. How Do We Rebuild Our Credit? – Annie

“Dear Steve,

We wrote in earlier about debt settlement. We were saved from paying money to a scam operation, thank you. We did end up filing bankruptcy. My question is about our home payment and whether it is getting reported to credit agencies.

Thank you for your help on this forum! I declared bankruptcy but chose to keep the house which I am still paying for with a mortgage. This debt was reaffirmed. Does the mortgage company report our mortgage payments to the credit agencies?

I just found out that auto companies do not report payments if you have reaffirmed the debt. Is this correct?

Annie”

The Answer

Dear Annie,

Get Out of Debt Free Hotline

There is no requirement for any lender to report any account to any credit bureau. The only requirement is that if they do report that they report information accurately.

The best way to check on who is reporting would be to get a consolidated credit report and take a look. But now that you’ve made it through the bankruptcy process the best way to build your credit up quickly will be to follow this ridiculously easy process. Read this free guide.

If you follow the advice in the guide you’ll have the best chance of boosting your credit score quickly.

Please post your responses and follow-up messages to me on this in the comments section below.

morehelp1” width=
“Choice1”“Choice2”
“Choice3”Big Hug!

Get Out of Debt Guy – Twitter, G+, Facebook

If you have a credit or debt question you’d like to ask just use the online form.

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.