I have been making payments since my discharge in 2009. The bank has the loan listed as included in bankrupcty in my credit files. The bank is not reporting my payments. I disputed with all 3 bureaus and it still came back the same. The bank states the account is closed and was included in the bankruptcy. I did not sign a reaffirmation agreement nor went in front of a judge. I only went to the 341 meeting. Is my statement of intent legally binding without a signed agreement? Is my petition incorrect and can I walk away? Does this retained, reaffirm the debt on the petition hurt my chances of obtaining a new mortgage?