My house was not included in my bankruptcy, but my mortgage lender is reporting it as “included in bankruptcy”.
I filed bankruptcy (ch 7) in 2008. I signed a reaffirmation with my mortgage lender, but my credit reports remain messed up. 1 agency has no info of a mortgage, 1 shows my balance reducing monthly, but carries it as “included in bankruptcy, and 1 has it “included in bankruptcy” with no reported activity for the last 6 years. I disputed it with all 3, but was told that it’s being reported accurately according to the FCRA.
When you filed bankruptcy, your mortgage was included in the bankruptcy but you elected to reaffirm it and continue to pay it. Reaffirming, or agreeing to keep paying it outside of bankruptcy, does not negate the fact all debts must be included in a personal bankruptcy. You don’t get to pick and choose.
Credit reports are not required to list any debt. The only reason a debt appears is because that creditor fed that account information to the credit bureau. They don’t provide it to all bureaus so it is not uncommon for it to be reported to only one or two. Typically the creditor reports to the credit bureaus they pull credit reports from. The reporting of information gets them a discount when they pull a credit report.
It sounds as if the issue is the mortgage is being reported as included in bankruptcy is an accurate statement.
The notation should fall off your credit report around the anniversary of your filing in 2015. Be sure to check your credit reports after that date and if it still appears, dispute it then.
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