https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Report-After-Discharge-Regarding-Reaffirmation-of-Auto/m-p/4731300#M42870 <P>One thing I am trying to understand...</P><P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; My credit report, over a year after discharge states that I have a&nbsp;"significant" amount of bad payment history. This is all based on the auto loan that I reaffirmed and currently pay timely and without issue. Before the bankruptcy, and part of the reason why I filed, is that I fell behind in those payments and carried it behind for 4-6 consecutive months. So, what I am trying to gather here...should that (pre-bankruptcy) payment history be eliminated from my report per the "discharge" and then the "post bankruptcy" payments be reported or do I have to live with those ugly marks on my report since I reaffirmed? It seems obvious to me that anything, especially late payments before I even filed should not be reporting as "accounts iin bad standing" Unless I'm just missing something here...HELP!</P> Sat, 27 Aug 2016 14:40:30 GMT Anonymous 2016-08-27T14:40:30Z https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Report-After-Discharge-Regarding-Reaffirmation-of-Auto/m-p/4731300#M42870 <P>One thing I am trying to understand...</P><P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; My credit report, over a year after discharge states that I have a&nbsp;"significant" amount of bad payment history. This is all based on the auto loan that I reaffirmed and currently pay timely and without issue. Before the bankruptcy, and part of the reason why I filed, is that I fell behind in those payments and carried it behind for 4-6 consecutive months. So, what I am trying to gather here...should that (pre-bankruptcy) payment history be eliminated from my report per the "discharge" and then the "post bankruptcy" payments be reported or do I have to live with those ugly marks on my report since I reaffirmed? It seems obvious to me that anything, especially late payments before I even filed should not be reporting as "accounts iin bad standing" Unless I'm just missing something here...HELP!</P> Sat, 27 Aug 2016 14:40:30 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Report-After-Discharge-Regarding-Reaffirmation-of-Auto/m-p/4731300#M42870 Anonymous 2016-08-27T14:40:30Z https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Report-After-Discharge-Regarding-Reaffirmation-of-Auto/m-p/4731660#M42883 <P>The BK doesn't wipe away anything prior to your filing date. Unfortunately&nbsp;it is reporting correctly. Keep your chin up, the late payments will age and hurt less</P> Sat, 27 Aug 2016 21:53:59 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Credit-Report-After-Discharge-Regarding-Reaffirmation-of-Auto/m-p/4731660#M42883 Scupra 2016-08-27T21:53:59Z