The Fair Credit Reporting Act (FCRA) protects consumers from having false information reported on their credit. We recommend that all of our clients pull a credit report once per year. Pulling your own report is free once per year and it does not reduce your score. You may be surprised at what you find!
If there is incorrect information on your credit report or if you have pre-bankruptcy information that is reported on a post-bankruptcy report, you should immediately dispute the information with the Credit Reporting Agency (Transunion, Equifax, or Experian), send a notice of the dispute to the creditor, and schedule a free consultation with one of our attorneys. We can find the parties responsible for negligent or false reporting and hold them accountable.
After Bankruptcy, all discharged debts should reflect a "0" balance. If this is not the case, the creditor may be in violation of the FCRA and the dicharge order of the bankruptcy court. Even if you did not file your bankruptcy with us, our attorneys can hold your creditors accountable and help you start your new life after bankruptcy.