I think this post is simlar to mine but with a mortage. 

http://ficoforums.myfico.com/t5/Bankruptcy/HELP-Didn-t-reaffirm-mortgages-making-payments-monthly-up...

So am I correct after filling/discharge no other updates are allowed  - even for ontime payments or pay offs?  Frozen in time around the time of discharge - in my case 2006?