The same thing has happened to me with selene finance, although I did not file a bankruptcy. No payment history kumbha nothing even showing I had a mortgage for that house. When I asked them to rectify it over the phone, They responded that I would have to do so by letter. And then, before I could send a letter, they conveniently sold my mortgage to another company Was in a period of about a month, or less. This is very stressful to me and is on my mind constantly. I have had nightmares, and am beyond concerned about what this has done and is still doing to my credit.