Question by : Can a mortgage co, not included in bankruptcy, report “discharged in bankruptcy” on my credit report?
I filed for Chapter 7 bankruptcy in 2005. I only included credit cards in my bankruptcy. My mortgage company, however, reported on my credit report that the mortgage was included in the discharge of my bankruptcy. I was never late during the entire time of my bankruptcy through 4 years later when the home was sold. This record on my credit report is showing to be negative information and has an impact on my score from only credit reporting agency. The other credit reporting agencies that do not list this information has my credit score 36 points higher. I disputed the information and was told that the creditor reports the information to be correct. I contacted the mortgage company and they informed me that they had a right to report that information on my credit even though they were not included. Is there a remedy to remove this negative information from my credit report?
For a better understanding of my situation, the mortgage company only reported the negative information on my credit report after they received noticed that I filed for bankruptcy. They claimed that it didn’t matter if their debt was not being discharged. They believe they were still entitled to state under the mortgage that the mortgage was included as discharge in bankruptcy since I was in bankruptcy status.
For a better understanding of my situation, the mortgage company only reported the negative information on my credit report after they received noticed that I filed for bankruptcy. They claimed that it didn’t matter if their debt was not being discharged. They believe they were still entitled to state under the mortgage that the mortgage was included as discharge in bankruptcy since I was in bankruptcy status.

Best answer:

Answer by Dan B
It looks like they continued to accept your payments on an account that was discharged in bankruptcy. Since they accepted the BK and reported it as discharged, they weren’t entitled to the money you sent them. You may need to contact a BK attorney and have them write a letter to either return the money or remove the discharge from your credit profile. I think they’ll take the latter.

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