Reaffirmed car note - showing as derogatory

[Anonymous]

I'm aboiut 5 days away from discharge - reaffirmed by auto loan. I took a peek at my credit and its showing as a Open - Derogatory status, shows that it was 30-59 days late ( it was at one point, prior to me filing) and has the remarks "reaffirmation of debt"

I was thinking that my prior poor pay history would not be counted against me post bk.. I havemt missed a payment since filing, but this seems to be off. Am I correct?

[ezdriver]

Payment history prior to filing bankruptcy is not affected by the filing or the discharge. Looks like this tradeline is being reported correctly.

[Anonymous]

That is correct. The lates will still show. As time goes on, they will count less, but they will still be on there. I have some lates on my student loan that are still showing. Eventually, the impact of them will be much less.

Good luck to you!