Hello all! I finally took the plunge and ordered my experian report. I have a question about the mortgage debt. Since I am surrendering the house, will I have to wait until the sale of the property before the debt will show a zero balance and no past due amounts? (this is the only debt and delinquency showing on the report).. I thought discharge meant from all debt? I am confused again...could anyone clarify? The discharge was just granted 7/14/03, and as expected, most of the accounts are still showing charge off, or closed/delinquent. Only one account was showing as 'included in BK'. I requested corrections. (We'll see)..... Next stop: Equifax and Transunion. Thank you all for your help during this terrible ordeal! Experian 494 (horrible, isn't it?)