I live in washington State.
Here is my situation. Two years ago my husband and I got in financially over our heads. We filed for bankruptcy, and we have had it done and over with for 2 years. We learned our lesson, and we have stayed debt free, the only thing we owe is the mortgage on our house. But here is where the problem begins. My family and I need to move, our neighborhood has become increasingly unsafe so this is extremely important. I contacted a mortgage broker, and when he ran my credit check, he informed me the mortgage lender was not tansmitting records of my payments to the credit burea.This is really a problem since it basically causes me to have no credit (I have not opened any credit cards, or financed anything since the bankruptcy-I was trying to avoid it). After talking with the lender, they told me it was because I never signed any reaffirmation papers. I asked what I needed to do, and I was told to contact my lawyer. He said once it has been reaffirmed they can transmit the payment information to the credit bureau. I tried contacting my lawyer, and she won't even get on the phone. Her secretary keeps giving me the run around saying that they never reaffirm, and it is impossible for them to do anything, and if they did, it would cost me a ton of money. I am really upset. I repeatedly told the lawyer we wanted to keep our home and we had no intentions of ever not paying the mortgage, I even explained how worried I was about what would happen to our house during the bankruptcy. I was NEVER asked if I wanted to reaffirm any debt, I did not even know it was an option. I was not aware that this could happen. By not having these payments transmitted to the bureau, it makes it impossible for me to show proof that I make current and timely payments, I have no credit score, and everything is based on that number. My question is, is there any way that I can reaffirm my mortgage debt this long after the bankruptcy has been closed? I am desperate. Any help is appreciated. Thank you.

