Negative Credit reporting during Automatic stay?

[Danielle1981]

Alright I didn't think they could do this.....I filed for Chapter 7 on 07/14. So I went to check my credit and I have these two items now:

Major Derogatory
A derogatory account has appeared on your credit report.
Here are the details of this account:

Reported By: Experian
Reported On: 07/28/2006
Alert Type: Grid Code G (Collections)
Creditor Type: Other Collection Agencies
Date Last Updated: 07/21/2006
Derogatory Amount: 00000055
Date of Alert: 07/27/2006
Creditor Name: QUANTUM COLLECTIONS SERVICES
Creditor Address: 777 S WADSWORTH BLVD BLDG 1
LAKEWOOD, CO 80226-4300
Creditor Phone Number: (303)9848300


New Inquiry
A new inquiry has appeared on your credit report.
Here are the details of this inquiry:

Reported By: Experian
Reported On: 08/02/2006
Alert Type: Installment Inquiry
Creditor Type: Other Collection Agencies
Date of Alert: 08/01/2006
Creditor Name: APOLLO CREDIT AGENCY INC
Creditor Address: 3501 S TELLER ST
LAKEWOOD, CO 80235-2011
Creditor Phone Number: (303)9890550


One is reporting derogatory and one is making a credit inquiry on me.....after they were notified of the bankruptcy. Can they do that?

[debtisbad]

I thought they had to have your permission to do an inquiry. Someone correct me if I am wrong. I need to check my report as I am sure it is a disaster. I have a slimy collections company calling me even after my bk has been discharged. I just have not called them back. I am sure they will put something negative on my report. I just do not want credit anymore. Only maybe to buy a car or house someday. I am sick of how we have just become a number.

[debtisbad]

Also fair warning. if you go to a dentist or doctor's office and have a procedure done, make sure you get it in writing that they will not charge you more after the fact. I had a root canal. My insurance paid 600.00 and now the dentist wants 700.00 for me saying the insurance company did not pay market rate. I am covered anyway, as the dentist has a contract with the insurance co. and has to accept what they pay. But this is one hell of a racket.

[Danielle1981]

Well I just called the first one on the list to let them know they are in violation of automatic stay. I could tell they were a little panicked over it.....they said they will get it corrected today and should appear as IIB within 5 business days.

The second one is playing stupid saying they did not run a credit report and they are showing it IIB. However, they are refusing to show it IIB they said I needed to dispute it with the credit agencies.

On another note....my scores dropped

Transunion 532, Experian 510, and Equifax 533

[Danielle1981]

Actually I talked to the lawyer this morning and it is a violation of automatic stay. They were reporting a late.....which during automatic stay....I don't pay anything and it's considered another way of "billing" you. It's considered a collection action therefore a violation of automatic stay.