3 years ago I filed bankruptcy. There was no reaffirmation of my mortgage done at that time, and my lawyer did not advise me that I needed to do so. I 've been seeing the same paragraph on my mortgage statement every month, but I never took the time to call them, until today, to find out what it really means. They told me that until I reaffirm my mortgage with them, they will not report any payments I am making to the credit bureaus. In fact, my report shows that my loan is closed and paid. It is not. It has a balance of {$82000.00} that I have paid religiously every month on time, with no late payments. I believe my lender is reporting false information to the credit bureaus by stating the account is closed, when in fact it is not. I also believe I have the right to receive credit for payments made whether or not I filed bankruptcy, and to have accurate information given to credit reporting agencies. 
