Credit Report Cleanup after Bankruptcy Discharge

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Peter Francis Geraci

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Bankruptcy Attorney - Chicago, IL

Contributor Level 10

Posted about 6 years ago. 20 helpful votes

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Cleaning up Your Credit Report

The fact that you filed a bankruptcy will stay on your credit report for 10 years after the date of last action in the bankruptcy case. Credit bureaus, however, often show debts you discharged in a bankruptcy on your credit report. If your credit report does not show the fact that you received a discharge in bankruptcy, notify the credit bureau in writing that you received a discharge, giving them the details and a copy of it. Within 30 days, that discharge should show on your credit report.

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If Debts You Discharged Appear on Your Credit Report

A recent decision in the U.S. District court for the Central District of California gives Experian, Equifax and TransUnion until octiober 1, 2008 to properly show discharge of debt in banrkuptcy, and the discharged status of a dbt that was discharged, on your crdit reort. Discharged debts should NOT show up as late or active or overdue. Those debts should be reported as "discharged". If this decision is not appealed, you may see your credit report reporting discharged debts correctly. If you see a discharged debt reported any other way, you should notify the credit bureau in writing.

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What You Want Discharged Debt Reported Correctly on Your Credit Report

If you don't owe a debt, you want that reflected on your credit report, because unpaid debt pulls down your credit score. You filed bankruptcy to get a fresh start, and it is not fair for them to report debts you discharged as active. That practice has led to the practice of collectors buying "zombie debt" and trying to guilt trip you into paying it to get it off. You need not do that. Simply notify the credit bureau to report discharged debt as discharged, and you will improve your post-bankruptcy credit score!

Additional Resources

www.ftc.gov has more information on correcting your credit report

Disputing credit report errors

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