collection agency

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debranewell2008

Joined: 10 Oct 2009
debranewell2008's page
Posts: 421

7253 Magic Points

Subject: collection agency

Wed Oct 21, 2009 7:32 pm

Can a collection agency pull your credit report when the debt they are trying to collect on was included in Bankruptcy?

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1093

25288 Magic Points

Thu Oct 22, 2009 5:51 am

Hi Debra,

Well, when you file bankruptcy, the CA must stop any efforts on collecting the debt. However, I think they can pull your credit report anytime. This does harm your credit score since every debt collector's pull is considered a 'hard inquiry'. You can write a remove hard inquiry letter to the bureau asking them to remove hard inquiries from your credit report.
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Justin

carol

Joined: 27 Jun 2006
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Posts: 1308

28489 Magic Points

Thu Oct 22, 2009 6:17 am

Hi debra

Yes, the CA can still pull your report but if the debt they are trying to collect on has been included in your bankruptcy, the report should show as included in bankruptcy and the balance as $0.00. However. it is also not uncommon that such debts listed in bankruptcy should continue to show as still being owed. This may be either due to your creditors negligence or disregard for the process of bankruptcy.
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Carol

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