So I have a new project. My mortgage company was included in BK. We made payments after BK but didn't reaffirm. Then we got in a tough situation where we needed to move and the man who owned the land the house sits on refused to buy it, let us sell it or rent it out. His options for us were to stay or to move it. So we let the mortgage company have it back. The motgage co. was pretty understanding and the legal dept at the mortgage company agreed that it was included in the Bk and we had no further responsibility. However, they inserted a TL on our Experian that says it was repossessed. It was my understanding that they couldn't add anything to our credit reports after it was included in BK. Am I correct? My next step will probably be to write them a CRRR letter requesting that they remove the TL. Any other ideas?
Do you have anything in writing from the mortgage company stating they included this in the BK? You may need this for the credit reporting agencies. I would be trying to get a copy of this letter before disputing with the CRAs.
