Credit reports should be checked 30 to 60 days after bankruptcy to ensure that creditors are reporting accurately. Creditors frequently fail to report an updated status for discharged accounts.
All debts discharged in bankruptcy should show a zero balance (“$0.00”).
Boost Your Credit Score – Remove Negative Tradelines
The following negative descriptions should not appear in your credit report after bankruptcy:
- Charge-off reported after the discharge in bankruptcy is inaccurate.
- Delinquency reported after the discharge in bankruptcy is inaccurate.
- Any balance other than “$0.00” reported after the discharge in bankruptcy is inaccurate.
- Any late notation reported after the discharge in bankruptcy is inaccurate.
- Any past-due status reported after the discharge in bankruptcy is inaccurate.
- Any 30, 60, 90 day late symbol under payment history reported after the discharge is inaccurate.
Any derogatory information on your credit report after bankruptcy is ILLEGAL and it should be corrected IMMEDIATELY because it hurt’s your ability to obtain a fresh start after bankruptcy.
How To Get Your Free Credit Reports
http://thephiladelphiabankruptcyattorney.com/free-credit-report/how-to-get-your-free-credit-reports/
Annual Credit Report
Lastly, Equifax created a specific website for consumers who are concerned about fraud activity on their credit report. So, if you check off that your concerned about fraud, which does encompass creditors and debt collectors inserting false information on your credit report then you can get a free credit report from this website.
Equifax
https://aa.econsumer.equifax.com/aad/landing.ehtml
Once you obtain your credit report, please forward it to me via e-mail at [email protected] and I’ll review it free of charge.
