If you filed bankruptcy in order to get that fresh financial start, you must also get your credit report freshened. Many Arizona debtors who filed bankruptcy find that the debts which were discharged still show as owing on their credit reports. Usually, they find this out only when they are trying to purchase a home or get other credit.
Don’t wait! Review your credit report now in order to make sure it is up to date.
First, you will need to get a copy of your credit report from each of the three national credit bureaus – Experian, Equifax and Trans Union. One a year you can go to www.annualcreditreport.com and get a free copy of your credit report from each of the bureaus.
Once you have your reports, you will need to look them over and see if the debts included your bankruptcy are showing as “included in bankruptcy,” and with a zero balance. Also, all the pre-bankruptcy negative reporting show have been deleted.
If you find that one or more of your accounts are not being reported correctly, then you need to send a letter to the credit bureau explaining that the account was included in your bankruptcy case. This letter needs to be sent by certified mail, return receipt requested. Do NOT dispute on line. You need to be able to prove that your dispute letter was received by the bureau, and what you included in your dispute. Spend the money and send your dispute letters by certified mail!