I filed bankruptcy but i’m keeping my house. lawyer says not to re affirm the loan but continue making the payments. by not re affirming the loan the loan company will not report my payments to the credit agencies and if I default they can still repo the house. by re affirming the loan the loan company WILL report it to the credit agencies. Wouldn’t that help re build my credit? i can afford the payment and it’s cheaper than rent even tho it’s a higher interest rate than normal. it seems to me that if i re affirm the loan, they report it to the credit agencies, i re build my credit and later down the road i could get a loan with a better interest rate. actually my intentions are to make extra payments each month and have it applied to the principal, that alone should shorten the loan time and therefore i wouldn’t have to pay the high interest as long and i would save some money on the interest over the entire note length. what do you folks think? even at this higher interest rate the payment is still cheaper than rent in this area. and i can’t move out of this area due to my job. give me some insight please. thanks!