Zillow Advice: FHA and VA Loans - Citimortgage is NOT reporting our timely payments to the credit burs and being VERY uncoopertve. http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ Zillow Advice | Zillow Real Estate Thanks everyone! Yes, we ... http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ <img imageid="X1-IA-1ssn95i64pn5b_eze99" uploadtype="new" imagetype="8" src="http://photos1.zillow.com/is/image/i0/i12/i3552/IS-1ssn95i6647kt.jpg?op_sharpen=1&amp;qlt=90&amp;size=250,300"/>Thanks everyone! Yes, we have paid on time every month for the last 5 years. After much complaining Citi finally added the payments to our credit reports for about 3 months then they just disappeared from all the credit bureau reports and are not on there anymore. Our chapter 13 is over with in April so maybe I can get them to report. To CLAY...Citi said it was a bankruptcy law, my attorney said he never heard of that. Then Citi contradicted themselves when I contacted the BBB and said they never purged our mortgage account from our credit reports and said in writing that the credit bureaus chose to do that. The credit bureaus said they do not do that, they report what they get from the lenders. Thu, 29 Mar 2012 20:37:00 GMT http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ 2012-03-29T20:37:00Z Thanks everyone! Yes, we ... http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ <img imageid="X1-IA-5a1ajobfblnz_djf7s" uploadtype="new" imagetype="8" src="http://photos2.zillow.com/is/image/i0/i12/i3551/IS-5a1ajobgq63h.jpg?op_sharpen=1&amp;qlt=90&amp;size=250,300"/>Thanks everyone! Yes, we have paid on time every month for the last 5 years. After much complaining Citi finally added the payments to our credit reports for about 3 months then they just disappeared from all the credit bureau reports and are not on there anymore. Our chapter 13 is over with in April so maybe I can get them to report. To CLAY...Citi said it was a bankruptcy law, my attorney said he never heard of that. Then Citi contradicted themselves when I contacted the BBB and said they never purged our mortgage account from our credit reports and said in writing that the credit bureaus chose to do that. The credit bureaus said they do not do that, they report what they get from the lenders. Thu, 29 Mar 2012 20:34:00 GMT http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ 2012-03-29T20:34:00Z They do not report if you ... http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ They do not report if you are in Chapter 13, you have to have your court appointed Trustee verify your payments. Citi is right, the Chapter 13 laws apparently prevent them from reporting.<br/>This is opinion, not legal advice!<br/>Jim Fri, 03 Dec 2010 17:43:00 GMT http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ 2010-12-03T17:43:00Z Thank you both for responding. ... http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ Thank you both for responding. My husband and I filed a Chapter 13 bankruptcy in 2007. Citimortgage was reporting when we filed in 2007 and after that it was still on our credit report. Now it is not on any of them. Citimortgage&nbsp;responded in a letter to us that "the credit bureaus purged our mortgage from our reports in 2002 not them." The credit bureaus tell us this is not true.&nbsp;And in 2002..???..what are they talking about?&nbsp;Additionally, in their response they clearly state..."Citimortgage is required to report to the major credit bureaus" and have the bureaus contact info below their statement. When my Attorney and I called&nbsp;Citimortgage we were told by a supervisor that&nbsp;they can't report it because it's a bankruptcy law (yet in their response letter they say they are required to report?) . My Attorney had never heard of this law and said if they are talking about reaffirmation that is normally done in a chapter 7 not a 13. besides, we pay our mortgage payments OUTSIDE of our chapter 13 plan. Fri, 03 Dec 2010 17:04:00 GMT http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ 2010-12-03T17:04:00Z What reason does Citi give ... http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ What reason does Citi give you for not reporting? Fri, 03 Dec 2010 13:12:00 GMT http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ 2010-12-03T13:12:00Z hi sdlucas2,If you are paying ... http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ hi sdlucas2,<br/><br/>If you are paying by check, money order, or electronic transfer, you can prove you have paid on time for 12 months, FHA underwriters will accept those as proof and you should be able to get your loan.<br/><br/>It is odd, however, they are not reporting to the bureaus any longer, there must be a bit more to the story. I hope you get your refi.<br/>Jim, HSOA Fri, 03 Dec 2010 12:51:00 GMT http://www.zillow.com/advice-thread/Citimortgage-is-NOT-reporting-our-timely-payments-to-the-credit-burs-and-being-VERY-uncoopertve/376691/ 2010-12-03T12:51:00Z