Hi Everyone! I'm new to this forum and hoping for some advice on what creditors can and cannot do after a BK. We filed Chapter 7 in Sept. 2008. It was discharged Feb 2010. We included credit cards and our mortgage in the BK.
In January 2012 Bank of America did an Account Review Inquiry on my TransUnion. I don't believe they can do this since I no longer have a credit card with them - it was discharged in the BK.
Also, on my husband's report, (All three bureaus) they started reporting a delinquent mortgage after we filed bankruptcy. Just for a period of one month (He had Greenpoint when we filed the BK, they sold it to Countrywide after filing, who then was bought by B of A - I was not on the mortgage loan). They reported this in 2009 long after we filed and left the house. I've tried disputting this with the bureau's, but B of A verifies it and they keep it on.
How can I find letters to send them or can I even sue them for this? It's been difficult enough to clean up other items and re-establish ourselves. We would like to buy a house again in the future, and this foreclosure reporting after the BK filing is hurting us.
Any advise or websites, letters, etc. is greatly appreciated. Thank You!