Hard Credit Pull after discharge

[goingcrzy]

I keep reading that it is illegal for a creditor who was included in a chap 7 to do a hard pull on credit after discharge. Is this true?

I am trying to do a mod on a mortgage that I did not reaffirm. I saw they did a hard pull. Never asked my permission. Since I am trying for a mod, I am assuming it is ok -BUT - if I don't get a mod and can sue and get some money from them, then that would be ok too

[mami2four]

Usually when you apply for a mod. That gives them permission to check your credit , did you apply over the phone?

[whipster1]

Since you are technically applying for credit with them I think that's enough to be permissible. I am having the same problem with a discharged CU that pulled a hard the other day...they had NO permissible purpose...trying to figure out my approach.

[goingcrzy]

Usually when you apply for a mod. That gives them permission to check your credit , did you apply over the phone?

That was my thought too. I figured I would post it and see if it raised any red flags with anyone.

Thanks all!

[StartingOver08]

Since you are technically applying for credit with them I think that's enough to be permissible. I am having the same problem with a discharged CU that pulled a hard the other day...they had NO permissible purpose...trying to figure out my approach.

I don't remember if it is in the FCRA or another statute (about permissable purpose), but a good link to start searching is here with the FTC http://www.ftc.gov/os/statutes/fcrajump.shtm

[backtoschool]

Applying for a loan re-modification is essentially applying for credit. If you apply for credit with a creditor, they can check your credit reports. The pull you saw is a permissible purpose pull and is not covered by the automatic stay.