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Hard enquiry

Posted on: 03rd Aug, 2012 12:40 am
i filed chapter 7 bankruptcy 03/2012. i had a mortgage with ibm lender services. it was included in the bankruptcy. the chapter 7 finalized few days back. i pulled my annual credit report, and to my surprise, had a hard inquiry within days of my ch7 finalized from ibm lender services. my question to all, does ibm lender services have any rights to pull my credit post-bankruptcy since i did have an account with them and i did declare a ch7?
Welcome Caster,

Unless you have applied for a loan, the lender cannot go for a hard enquiry.
Posted on: 03rd Aug, 2012 01:13 am
Hello Caster,

That being the case it is necessary for you to understand the types of enquiry that's available today and know how that enquiry can be encouraged.

:idea:
Posted on: 03rd Aug, 2012 01:49 am
Hi Caster,


This procedure is also applicable to those who have bad credit ratings and are looking for a way to steadily build up.

Thanks....
Posted on: 03rd Aug, 2012 01:52 am
>>does IBM Lender Services have any rights to pull my credit post-bankruptcy since I did have an account with them and I did declare a CH7?

Yes, but it should be a soft inquiry, not hard.
Posted on: 04th Aug, 2012 12:50 pm
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