Mortgage reaffirmation and credit reporting

Mortgage

My wife and I filed Ch 13 bankruptcy in 2020 in Indiana. We bought our home in 2016 and reaffirmed on our mortgage and a car loan. A year or two afterwards while looking into my credit, I noticed that my mortgage wasn’t being reported to any of the credit bureaus and the 4 years of payment was not there as well. I called our mortgage lender (USBank) and they told me it was policy not to report on accounts that have gone through bankruptcy. I want to know if anyone has dealt with this issue and how they handled it. Also, do you think they will begin reporting again once the bankruptcy falls off of my reports? At this point I have 10 years of credit history there and another 20 left on my mortgage. I don’t want to struggle to get loans for another 20 years. Refinancing with current interest rates isn’t something I want to resort to.

Posted Jul 6, 2026, 8:56 PM UTC

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