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How does Debtor get "credit" on his credit report for car payments in
For the first time, I have had a Debtor come back complaining to me that I
didn't make him reaffirm the car loan debt because now the car loan (which
is paid off, and title has been transfered to Debtor) is showing up on his
credit report as "discharged'. Of course, it is ... because it was. This
is apparently a problem, and the Debtor wants credit for having made all
the payments. Lender refuses to report to the credit bureaus the payment
history or report that the loan was paid in full. I have told Debtor to
get a copy of the payment history and file it himself with the credit
reporting agencies. This is also what I have advised for all my clients
who are voluntarily paying their discharged mortgages. No one ever reports
back to me how that works out for them so I have no idea whether this is
successful in terms of getting "credit" on the credit report. If anyone
knows, please share.
Does anyone else have any credit fixes in these scenarios? Please share.
Holly Roark
holly@roarklawoffices.com **primary email address**
www.roarklawoffices.com
Central District of California
Consumer Bankruptcy Attorney
1875 Century Park East, Suite 600
Los Angeles, CA 90067
T (310) 553-2600
F (310) 553-2601
**For a quicker response, email me at holly@roarklawoffices.com.
I only use gmail for my listservs, and am likely to miss private emails
directed to my gmail account.**
For the first time, I have had a Debtor come back complaining to me that I didn't make him reaffirm the car loan debt because now the car loan (which is paid off, and title has been transfered to Debtor) is showing up on his credit report as "discharged'. Of course, it is ... because it was. This is apparently a problem, and the Debtor wants credit for havingmade all the payments. Lender refuses to reportto the credit bureaus the payment history or report that the loan was paid in full.self with the credit reporting agencies. This is also what I have advised for all my clients who are voluntarily paying their discharged mortgages. idea whether this is successful in terms of getting "credit" on the credit report. If anyone knows, please share.
Does anyone else have any credit fixes in these scenarios? Please share.Holly Roark
holly@roarklawoffices.com**primary email address**
www.roarklawoffices.com
Central District of California
Consumer Bankruptcy Attorney
1875 Century Park East, Suite 600
Los Angeles, CA 90067
T (310) 553-2600
F (310) 553-2601**For a quicker response, email me at holly@roarklawoffices.com. I only use gmail for my listservs, and am likely to miss private emails
directed to my gmail account.**
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