One thing that has me confused now is that we have two car loans that we reaffirmed. One car loan continues to show as paid and current and does not state that it was included in the bankruptcy. We did not receive any confirmation from them that they accepted the reaffirmation either. The other now shows no payment history and that it was included in the bankrupcty even though they returned the reaffirmation paperwork through the court and we continue to make timely payments. I disputed this loan on the credit report based on the ground that it was reaffirmed. The bank which holds the loan reported back that the way it is reported is correct – included in the bankruptcy with no mention of the reaffirmation. Will this eventually show payments being made or that it was reaffirmed? The weird thing is that one credit reporting agency dropped the account from both my husband’s and my credit reports based on the challenge while the second has kept it on there without noting the reaffirmation.

As for the house, we were told by our lawyer that in NJ, you don’t reaffirm mortgages. We continue to pay our mortgage payment and on time. This account shows as included in the bankruptcy too. Will it someday show current payments?

I was hoping that coming out of the bankruptcy with these 3 accounts intact with current and timely payments history that we would already have some positive credit in place. Now I am wondering whether this is right. I had not questioned any of this while we were in the process but today received a letter in the mail from the Bankruptcy Resource Center http://www.restorecredit123.com and http://www.bankruptcysurvivor.com (unsolicited of course) that put all these questions into my head.

Thanks so much for your help!