One thing I am trying to understand...
My credit report, over a year after discharge states that I have a "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!
