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You are a little confused as to what reaffirmation means. The personal liability for those debts is discharged even if you reaffirm. It does create a new non-dischargeable debt if you do reaffirm. Real estate loans are not reaffirmed in cases filed in California. It is not required that such debts be reaffirmed and the courts will typically not do approve real estate loan reaffirmations in California cases since it is unnecessary for complicated legal reasons. Vehicle loans can be reaffirmed but it is not a good idea in most cases to reaffirm anyway. Rebuilding your credit history takes time and depends on how you handle it after the bankrutpcy and your income and other factors. It does take several years but the bankruptcy is in your credit history for 10 years so it will continue to affect your credit score for that many years. The reaffirmation is not shown in the credit report anyway. The banks do not report the payments if you do not reaffirm a vehicle loan and that is the downside to not reaffirming but there are benefits to not reaffirming also. The history of all the payments not made before the bankruptcy does not disappear from your credit report and will also affect your credit for a long time. You can not reaffirm a debt after the bankruptcy case closes.

You can file an amended Schedule B to show the balance in your accounts as of the date of conversion. Simply tell the truth when the Trustee asks you about it.