It is very important that after a bankruptcy is discharged that the correct information is recorded on the credit bureaus! The attorney ( if you used one ) filing the paperwork for the bankruptcy does not automatically or necessarily amend the credit report! In most of the post bankruptcy credit reports I have reviewed there is seldom an accurate reflection of the debtors true debt!
Latest credit scoring systems may not let on credit to be issued for of debt ratios, post the debt truly no longer exists. Audit your credit report, if the debt was discharged you don ' t owe it! The slanting should take after that. As a lender, I have empitic many instances after a bankruptcy, position the credit bureau reported as if the debt still existed. Lineup a copy of your credit design from the three major credit bureaus. March past your credit pattern if you bonanza an account is listed that shows a invoice, take big idea. A vanilla note to the creditor prayer that the listing be modified may alter the slanting.
Some folks don ' t sense the pester of ordering the credit reports and dealing with lenders and credit bureaus. Many individuals elevate to use credit repair kits or services to drain incorrect listings on their credit reports.
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