Creditors reporting PP at discharge

[huffydogg]

I was discharged a month ago, and I've been monitoring my credit through Experian, this morning I received an alert. I have various creditors who have reported PP or payment plan last month. This caused a 42 point drop on my score from 677 to 635. Can creditors report PP at discharge?

[huffydogg]

I also want to add that my mortgage company reported pp last month, and I was paying them outside the plan.

[sophieanne]

Hi Huffydog,

Sorry I don't have an answer...excuse my not knowing, but what is PP????

[huffydogg]

It stands for payment plan, and it makes it look like I just started my plan. The alert that I received from Experian states "that my mortgage company has flagged my account as Chapter 13 Bankruptcy petition."

[huffydogg]

I found a Credit Reporting Scoring Guide, and it states that PP should only be reported in the month BK is filed. Time to dispute.

[spidge]

I found a Credit Reporting Scoring Guide, and it states that PP should only be reported in the month BK is filed. Time to dispute.

If allowed would you post your source?

[freeme0215]

I just got a notice from my credit score company that CHASE reported me on 7-27-14, and noted as in a CH 13. I had CHASE as a debt in the BK filing in June 2010. Why would they place a "potentially negative information" on my most recent credit reporting?