After the bankruptcy is discharged, you should obtain a copy of your credit report from each consumer reporting agency to see what is being reported. One common problem for consumers who have filed bankruptcy is that the consumer reporting agency will report that the consumer has filed bankruptcy, but will also show the debts discharged in the bankruptcy to be still due and owing, adversely affecting the consumer’s credit score. You need to be proactive in taking steps to correct your credit report.
The bankruptcy discharge does not delete discharged creditors from the credit report. A consumer report may include an account that was discharged in bankruptcy (as well as the bankruptcy itself), as long as it reports a zero balance due. This shows that the consumer is no longer liable for the debt. If the credit report does not show a zero balance on discharged debt, the reporting should be disputed.
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