I always thought the term "voluntarily surrendered" was used in a non real estate context when you give collateral back to the lender voluntarily vs the collateral being repossessed. However "voluntarily surrendered as of Mar 2010" is being listed in the account history for a EX mortgage loan tradeline. I bk'ed 1/10 (discharged 4/10) and I did surrender the home in bankruptcy, but it was not subsequently foreclosed. I was planning on moving at the time of my bk so I indicated that I didn't want to reaffirm the mortgage. A few months later I sold the home (no short sale).
I'm considering an FHA loan so I don't want that term to imply either died in lieu of foreclosure or short sale.
