Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

I'll also add that only 8 days had passed. If the debt was included in the BK maybe those 8 days weren't enough time to stop the inquiry. Inquiries by CAs are allowed per the FCRA, though I'll agree with you that if they knew then it shouldn't have been there. And maybe this CA is collecting on a forgotten debt not included in the BK, which makes it allowable.


I personally wouldn't do anything. FICO will stop scoring it in 7 months anyway. And if a BK is reporting w/ accounts listed as IIB, then there's zero ding from the inquiry. Calling them would invite collection activity if not included. I'd sit it out.