How do I clean up my Credit Report after Bankruptcy?
Cleaning up your credit after bankruptcy is an important step, almost just as important as filing bankruptcy. Bankruptcy
provides consumers and debtors with a ‘fresh start’, taking the correct steps now to ensure continued good credit is
extremely important, forgetting or not caring to finish the job is not an excuse. In order to curb the negative reporting
activity that existed before your bankruptcy requires a small amount of work on your part. All you have to do is write 3
(three) simple letters one to each Credit Reporting Agency. Write these letters between 90 days and 180 days after you
receive your discharge papers. Be sure to also send a copy of your Discharge papers with each letter. See the sample
letter provided below, following this simple step will ensure your ‘fresh start’ for years to come:
Experian Equifax Information Services, Inc TransUnion
PO Box 9530 P.O. Box 740241 P.O. Box 2000
Allen, TX 75013 Atlanta, GA 30374 Chester, PA 19022
http://www.experian.com/ http://www.experian.com http://www.transunion.com/
Credit Reporting Agency Name and Address:
Re: Credit Reporting
Social Security Number:
To Whom It May Concern:
Please be advised that I was represented by enter Attorney’s name in a
Chapter 7/13 Bankruptcy which was filed on Date in the Region District of
State at Case No. 00-00000-ABC .
A review of my credit report reveals that several accounts continue to remain unchanged after the Bankruptcy
filing and Final Decree and Discharge.
Specifically, the following Creditors continue to report negative information: (provide a list of all creditors
included in the bankruptcy that does not include a comment for each specific debt regarding the discharge of bankruptcy.)
I am writing to request that you update the credit reporting with regard to my Accounts that were discharged due
to the Chapter 7/13 Bankruptcy filing.
Enclosed is a copy of the Order of Discharge. The reverse side of the Order states that “The chapter 7/13
discharge order eliminates a debtor’s legal obligation to pay a debt that is discharged. Most, but not all types of debts are
discharged if the debt existed on the date the bankruptcy case was filed.” The foregoing debt does not fall in the
category of “debts that are not discharged.”
Update my report at your earliest convenience. Kindly send an updated credit report that reflects the above-
mentioned change. Thank you for your attention to and assistance with this matter.
Enclosures Sincerely, (print and sign your name)