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Consumer Bankruptcy : Chapter 7, Chapter 13, Protection From Claims of Creditors
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Old 09-24-2002, 09:57 AM
skwirl
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Post bankruptcy inquiry


What is the name of your state? NY

After a chapter 7 bankruptcy does a previous creditor have the right to pull a credit report for permissable purpose anymore? It would seem to me that once the debt is discharged they are no longer a creditor therefore they no longer have permissable purpose. Am I right? I have one creditor that is not reporting as included in bankruptcy, and they have pulled inquiries twice since discharge. I have disputed this but it came back "verified" and on another CR it still states the old "unable to locate customer" This is showing as a late payment and while I would prefer to have it removed I would rather see it as "included in..." than to be showing "unable to locate, 120+ days late" The CRA's aren't budging on this and neither is the creditor. I am posting this here and in the credit forum due to the nature of the questions
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