What should you do after your bankruptcy case has been concluded with a relationship to your credit report? Well, of course, credit reports and your credit is very important for such things as getting an apartment, getting a mortgage, getting even life insurance. Some life insurance companies will not allow you to have a life insurance policy until after the bankruptcy case has been discharged.
What you should do after your bankruptcy case has been discharged is to order your credit report or try to get one of the free credit reports available online. In fact, some of the credit reporting companies allow you to get at least one free credit report per year. Once you do that, you’re going to want to check the creditor list, of course, that appears on the credit bureau report itself and make sure that any of the creditors who were listed on your bankruptcy case are listed as a zero balance.
You’ll want to go ahead and contact either the credit bureau and make sure that they will remove that information from your credit report because the balance should show zero. Make sure please to send them a copy of your actual bankruptcy discharge order. You’ll also want to go ahead and just simply contact the creditor and send them a copy of the bankruptcy discharge order. Also, let them know that they should remove that information that is the erroneous information from your credit bureau.
Furthermore, you probably want to do this more than one time as far as actually checking your credit report because what will happen sometimes is creditors will have sold your account to a collection agency. The collection agency may put information on the credit report not knowing that you filed the bankruptcy case so I would suggest that you periodically, maybe every four months, at least for the first year after the bankruptcy case has been finished, go ahead and check your credit report.
If the creditor has not removed the inaccurate information from your credit bureau report, you can always file a lawsuit against the creditor to do that. If you have any questions about filing or filing the bankruptcy and making sure that your credit is clean after you have already gotten your Chapter 7 discharge or your Chapter 13 discharge for that matter, please call me, I’m Roger Ghai at 770-792-1000.
Bankruptcy FAQ:
Frequently Asked Questions: Table of Contents Who is permitted to file and maintain a chapter 7 case? Who should not file a Chapter 7 case? Is there anything that a person must do
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