I filed Chapter 7 bankruptcy in September 2009 and it was discharged in January 2010 . This BK included my primary residence. This property has still not been foreclosed to date and is vacent at the present time. My husband and I are waiting the two years to apply for a new home loan using a VA mortgage. We now realise that we are still on the title to the house included in BK. My question is can the bank report the foreclosure on credit reports since it was already reported as discharged in BK. And would it be better to try and get a deed in lieu or short sale the house to speed up the process of removing my name from the title. The bank is pressuring me to short sale. I am just very cautious with my next move because I want to be 100% sure of what can be reported on our credit reports.