Part 1 - I had a repo car (I ended up with both vehicles after a divorce). OC turned over to CA. OC is reporting "charged off" however, instead of a zero balance they are listing the account balance at time of charge off. CA amout owed updates monthly plus interest. Is this legal? Can both report account balances? Please tell me that this is a violation. Part 2 - Can OC pull an "AR" type soft inquiry if it's charged off? Charged off in '98 - three soft inquiries 2002. Please tell me that this is a violation. Okay . . . don't tell me what I want to read. Do I have anything to work with based on this information?
along the same lines, can OC continue to pull soft inquiries after BK13 is fully discharged? << their account, the car loan >>> BK discharged in Dec2001, Credit Union continued to pull inquiries up through April of 2002... also, filed BK July 1996 when 90 days past due, they are showing 180 days late on report
