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Creditors reporting PP at discharge

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    Creditors reporting PP at discharge

    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?

    #2
    I also want to add that my mortgage company reported pp last month, and I was paying them outside the plan.

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      #3
      Hi Huffydog,

      Sorry I don't have an answer...excuse my not knowing, but what is PP????
      Filed Chapter 13 - 07/20/12
      Discharged 8/2/16

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        #4
        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."

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          #5
          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.

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            #6
            Originally posted by huffydogg View Post
            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?
            11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JP

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              #7
              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?

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