Seeking Advice - New servicer reporting discharged non-reaffirmed (2009 bankruptcy) mortgage loan payments to Credit Bureaus

Housebroken13

LoanSafe Member
Jul 17, 2009
814
13
18
Hi,

Need some guidance.

My Credit Score was up above 700. My home loan which was discharged and non-reaffirmed in a 2009 Chapter 7 bankruptcy was recently transferred to a new servicer (Nationstar / Mr. Cooper)

The BK public record fell of my report about 3 months ago.

When I filed Chapter 7 the loan was being serviced by Countrywide, then it went to Bank of America, then to Seterus, and now it is with Mr. Cooper. (who by the way assigned a new loan number)

We have paid and stayed in the home, but I've been running 1 payment behind for a long time and none of the servicers have reported the loan to the Credit Bureaus since the discharge until now.

Can Mr. Cooper report my payment history to a CB for a loan that was discharged in a BK 10 years ago?

Nationstar reported me as 30 days late for May 2019 which has tanked my score. I immediately filed disputes for me and my wife with all 3 CBs stating then loan was included in BK.

I also contacted Mr. Cooper and explained the situation to them, they said send paperwork in and they will investigate.

I really do not have the time and patience to deal with this after all we have been through and now that we are in a good place with our credit. I do plan on sending the BK paperwork to the servicer but in the meantime have also sought out legal counsel to perhaps have them handle it.

Any additional advice/steps I should be taking? I did establish a repayment plan w/ MR/ Cooper to get the loan current, but they said they will continue to report the loan as late until the repayment plan is completed.....
 

wanda robo

LoanSafe Member
Sep 29, 2012
3,826
594
113
NJ
Hi,

Need some guidance.

My Credit Score was up above 700. My home loan which was discharged and non-reaffirmed in a 2009 Chapter 7 bankruptcy was recently transferred to a new servicer (Nationstar / Mr. Cooper)

The BK public record fell of my report about 3 months ago.

When I filed Chapter 7 the loan was being serviced by Countrywide, then it went to Bank of America, then to Seterus, and now it is with Mr. Cooper. (who by the way assigned a new loan number)

We have paid and stayed in the home, but I've been running 1 payment behind for a long time and none of the servicers have reported the loan to the Credit Bureaus since the discharge until now.

Can Mr. Cooper report my payment history to a CB for a loan that was discharged in a BK 10 years ago?

Nationstar reported me as 30 days late for May 2019 which has tanked my score. I immediately filed disputes for me and my wife with all 3 CBs stating then loan was included in BK.

I also contacted Mr. Cooper and explained the situation to them, they said send paperwork in and they will investigate.

I really do not have the time and patience to deal with this after all we have been through and now that we are in a good place with our credit. I do plan on sending the BK paperwork to the servicer but in the meantime have also sought out legal counsel to perhaps have them handle it.

Any additional advice/steps I should be taking? I did establish a repayment plan w/ MR/ Cooper to get the loan current, but they said they will continue to report the loan as late until the repayment plan is completed.....

Threaten to file an FDCPA lawsuit or file one. You'll see how fast they can move. BSI pulled the same crap with me. It was totally removed.Once its removed you should go back up to 700+.
 

wanda robo

LoanSafe Member
Sep 29, 2012
3,826
594
113
NJ
Actually you also have a FCRA violation. Threaten them, they'll come around. Make noise. Go to the CFPB & file a complaint, that'll light a fire. They absolutely can't do this to you.
 

Housebroken13

LoanSafe Member
Jul 17, 2009
814
13
18
Thank you. I emailed, faxed, and sent a letter certified mail with all relevant bankruptcy documents today. I also sent them to each of the 3 credit reporting agencies, my state attorney general, and the CFPB (I also sent a complaint)

In addition, I consulted with my BK attorney yesterday