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I did not reaffirm the debt. I surrendered the property and the co borrower is still living in the house now. They are still reporting to the credit agencies that I am paying as agreed, even though it was in included in the bankruptcy. I disputed this and it was removed from 2 of the 3 bureaus, however I can not get it removed from one. This is preventing me from getting a pre approval on a home of my own now because they are saying I already have a mortgage, which I dont. How would I go about getting a transfer?
I have disputed the information several times. I was removed from 2 of the 3 agencies. When they mail back the findings of my dispute, all it says it that the lender disagrees. I called the lender and they advised even though I filed chapter 7, and I did not re affirm, they said I am still on the loan and it will still report. Is this something I should be hiring an attorney for so they can deal with the lender? I have faxed the credit agency and the lender a copy of the discharge papers, showing where I surrendered the property but its like I am talking to a brick wall.
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