bankruptcy report
Can a creditor put a repo. or any other derogatory marks on your credit report if ch 7 bankruptcy was filed?
The vehicle was included in bankruptcy and never reaffirmed. Voluntary payments are being made and are current. If the vehicle is surrendered now can they put anything else on the credit report like a reposession?
No.
Your credit report should read “Included in bankruptcy” for your car loan. Since you did not reaffirm this loan they are not reporting it to the credit bureaus if you let it go back nothing will change on your credit report.
When I went through my BK back in 2001 the same thing happened to me. I had 2 accounts with Ford one was my car and the other was my ex-wife’s. I reaffirmed on mine and not on hers, she made the payments for about a year and then let it go back. Nothing changed on my credit report.
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