Many creditors, for a variety of reasons, dont do regular reporting to the CRAs. No party is ever required to initially report to a CRA.
First, in order to report to a CRA, the creditor must have a reporting account/agreement with the CRA. That costs them money, as the CRAs charge a fee for their "services." Also, to implement regular credit reporting, they must maintain a staff or system to assess their accounts and put the information into the standard Metro2 reporting format required by the CRAs. Having once reported, it triggers their obligation to maintain the current accuracy of all information reported. It also subjects them to disputes over the accuracy of their reporting. Not reporting means no FCRA disputes.
Some "creditors," particularly utilities and banks, dont do regular reporting, but reserve reporting only for when bad stuff happens. They use it as a collection technique.
As for the reporting of prior derogs related to an account for which the debt was discharged,either by payment or by BK, as long as the derog occured prior to the discharge of the debt, it can accurately remain in the consumer's credit file. Discharge of debt does not discharge the reportable history on the account prior to the discharge.
When did the delinquency occur vis-a-vis the BK discharge?
