Repairing Your Credit Report After Bankruptcy
After you have received your discharge and your bankruptcy has been closed, it is important to be proactive about ensuring the accuracy of your credit report. At the Fairfield, Ohio law office of R. Dean Snyder, Attorney at Law, I make a point of talking to each client about checking credit reports frequently and making sure that everything is correct.
A bad credit report can be a serious roadblock to getting the fresh start you deserve. After a bankruptcy, it is extremely important that your credit report is as clean as possible. This means that all of the debts that were discharged in the bankruptcy be shown as "bankruptcy status" or "zero balance" on your credit report. If any of the debts do not reflect the correct status, contact the credit reporting agency immediately to correct any mistakes.
How to Get Started
I recommend that my clients use www.annualcreditreport.com. It is a secure, easy to understand web site that allows you to request a credit report from each of the major credit reporting agencies once per year. Simply go to the web site and follow the directions on each page to request your report. You can also request your report by phone or mail as well.
When you receive your report, review it closely to ensure that all the information is correct. Report any inaccuracies to the credit reporting agency and request a correction. If any of the creditors refuse to make the correction, let me know and I will pursue the matter directly with the creditor.
Schedule Your Free Consultation
Contact my office today to discuss your bankruptcy questions with a lawyer. I am available during regular business hours and by appointment evenings and weekends. You can reach me by phone at 513-275-1724 or via e-mail.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
