Q: I filed chapter seven bankruptcy and I did not reaffirm my mortgage . I make my payments electronically and are current
Can I report them myself with a bank statement
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A:
Yes, you can report your mortgage payments yourself using your bank statements as proof of payment, even if you did not reaffirm your mortgage during your Chapter 7 bankruptcy. Here's what you can do:
1. Obtain your bank statements showing the mortgage payments you have made since your bankruptcy discharge.
2. Contact the credit reporting agencies (Equifax, Experian, and TransUnion) and inform them that you want to report your mortgage payments.
3. Provide the credit bureaus with copies of your bank statements as proof of your payments. You may need to send them via mail or upload them through their online dispute portals.
4. Request that the credit bureaus update your credit report to reflect your current mortgage payments.
Keep in mind that while you can report the payments yourself, the mortgage lender is not obligated to report your payments to the credit bureaus if you did not reaffirm the debt during bankruptcy. Some lenders may choose not to report payments on non-reaffirmed mortgages.
However, by providing proof of your payments to the credit bureaus, you are taking a proactive step to ensure that your credit report accurately reflects your current payment history, which can be beneficial for your credit score and future credit opportunities.
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