If your credit report states your car loan was discharged in bankruptcy but you continued to make voluntary payments with no reaffirmation agreement can the bank give you a negative rating?

Your BK will be on record for several years. If the car loan was on the BK (7), then your obligation is done. You may need a reaffirmation agreement with the bank if you are going to keep and pay off the car. Any lates will show on your account with the bank for the next 12 months, as will the repo notice. The best thing is to pay every obligation on time to help improve your rating.