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Posted in Bankruptcy
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angelheart63

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still in home included in bankruptcy
Should this be closed if I am still living in the house and have not missed any payments since being discharged. Shouldn't these payments be counted in my favor because I have not been late since being discharged credit report
because they are the only credit I have now?

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The prior negative payment history would still be on your report and will remain there for 7 years.  Even if the debt was discharged in the bankruptcy, it was your payment history.   Just keep making your timely payments and wait for the negative to time out   Some (not all) creditors will overlook negative payment history after 2 years if your current history is clean.  Its not the bump in the road you encountered, its how you handled the bump and recovered afterwards that is more impactive.

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