Different parts of the country may treat reaffirmation agreements according to local custom. In Illinois, many believe that reaffirmation of a house is a bad idea. Keep in mind though, that without a reaffirmation agreement, your payments will not be reported to the credit agencies, thus boosting your credit score. Instead, your credit report may show that the mortgage was "included in bankruptcy". The credit report aspect may not be a good enough reason to reaffirm your house as there are ways around it, namely by letting the credit reporting agencies know what is going on.