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My husband and I went through bankuptcy approximately 5 years ago. We had both our home loan and our auto loan through Wells Fargo. I'm not sure if it was an oversight on our attorney's part, but the auto loan was reaffirmed, the home loan was not. Since then, I have paid off the auto loan and have continued to make mortgage payments (never being late once in the past five years). However, supposedly, because the loan was not reaffirmed, my timely payments to Wells Fargo mortgage department are not being posted to our credit report. As far as the credit reports show, I do not own a house. I've tried contesting it with the credit bureaus, but they simply say the mortgage was discharged. Funny, I'm still paying property taxes and mortgatge payments, but as far as anyone else is concerned, I don't own a home.

Is there anything that I can do that would require Wells Fargo to report my payments to the credit bureaus? We've tried to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] with them, but they are unwilling to do so. We thought that if we could refinance, that would then require them to report our payments. We've also tried refinancing with another company, however, they say we don't own a home.

Do you have any advise?

Thank you.

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