itried to refi mortgage-no fico scores from 3 bureaus despite of our timely mortgage payment. called chase n we told we need an attorney to reafirm.

Not completely sure I understand your question, but you cannot reaffirm a debt after your discharge is entered. What you are describing is a tactic used by mortgage servicers to get you to reaffirm a debt that you don't need to reaffirm.  They refuse to report the on-time payments to credit bureaus.  But the good news is, you can self-report the payments you make. You can do that through companies such as https://www.prbc.com/ Hope this helps.