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Christine Baker (Admin)
Board Administrator
Username: Admin

Post Number: 47
Registered: 08-2002
Posted on Monday, August 19, 2002 - 05:07 am:   Edit Post Delete Post Print Post    Move Post (Moderator/Admin Only)

NO permissible purpose for inquiries after the DISCHARGE

I just ran this by an attorney, and while the stay is in effect after the filing, he thought creditors can still run your credit until DISCHARGED.

AFTER the discharge, discharged creditors have no longer have a permissible purpose - whether it's a "hard" inquiry or an account review (A/R). Don't forget to check ALL inquiries after the discharge.

MY opinion:

At ANY time, regardless of the account status, bankruptcy filing or whatever else, an existing creditor's inquiry must be coded as A/R. I don't know what your legal remedies are, but it looks like I'll find out. Since the credit scores can be lowered substantially, it's pretty easy to show damages.

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