Thank you for your question. I am happy to assist you.
It is a dangerous practice to reaffirm after bankruptcy as the debtor is agreeing to personal liability on a debt that was discharged. It is typically only advisable as a last resort to keep an asset the debtor may be behind in payments on. The better practice is to retain the asset, as you did.
Credit reporting is voluntary. Creditors are not required to report. However, if you write to your lender and request that they report your timely payments, they may comply.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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