We were discharged from Chapter 7 on 12/31/07 - we have since reviewed our credit reports to find that our mortgage is listed negatively even though we have never paid late and have continued to make payments. We did not reaffirm this debt under advice of our attorney. According to our mortgage company, unless it's reaffirmed it, will remain on our credit reports as being part of the bankruptcy and any payments we make will not help to increase our credit scores. Does anyone know if that is correct information?