I am considering reopening my Bankruptcy Chapter 7 that was discharged last year for the purpose of reaffirming my mortgage for the purpose of boosting my FICO score by adding a mortgage to my mix of credit.
Will doing this change the date of discharge date reported to the credit bureaus and result in it looking like I was only recently discharged and kill my FICO score again?
How hard is it to get a judge to allow you to reaffirm a mortgage if you can afford it? I tried to reaffirm the first time and my then attorney refused and said court would also refuse. I wonder if I would have better luck hiring a different attorney?