I always encourage my clients to review their credit report approximately 6 months after bankruptcy, to make sure their discharged debts are accurately reported. You can review your credit report for free at www.annualcreditreport.com every 12 months. You can also request a credit report from all 3 credit reporting agencies: Experian, Equifax, and TransUnion.

In fact you should make sure:

1.       That your bankruptcy is reported and that the correct dates and Chapter are reflected in the credit report.

2.       That all debts discharged are reported as “included in bankruptcy.”

3.       That all debts included I bankruptcy are reported a “0 balance due.”

Beware of “Credit Repair” services. They are a waste of money and time! You can dispute inaccurate entries on your own, and disputing accurate entries is both illegal and futile, as those entries will eventually reappear on your credit report.

Please contact our office at (213)382-2926 if you are thinking of bankruptcy. All my clients can obtain additional help after bankruptcy disputing inaccurate information on their credit report in order to have the best credit score possible.