Your Bankruptcy Should Mean a Clean Slate — We Correct Credit Report Mistakes Holding You Back
Post-Bankruptcy Credit Report Problems? We Can Help
A discharge should close the book — but credit reports often keep the story going with wrong balances, “charged‑off” labels after a discharge, or accounts that should have disappeared. Those mistakes raise your credit score costs and block approvals. Our credit repair attorneys audit your credit report, send precise dispute letters, and — when needed — sue under the Fair Credit Reporting Act (FCRA) to make the credit bureaus and furnishers fix the record. You pay no out‑of‑pocket cost when we prevail.
Why Post-Bankruptcy Credit Reports Go Wrong
Debts discharged in bankruptcy still show a balance due instead of $0. That’s inaccurate.
Accounts report new late payments after your filing date (re‑aging).
A debt is mislabeled as “charge‑off” after discharge, or keeps showing as open/past due.
Duplicate tradelines or mismatched dates across credit reporting agencies.
The bankruptcy public record remains longer than allowed (see timelines below).
No Out-of-Pocket Cost for Our Services
The FCRA shifts fees: when we prove willful or negligent noncompliance, courts can award your attorney’s fees and costs — which is why qualifying cases cost you nothing out of pocket.
How our Process Works
We Monitor Your Credit Long After Bankruptcy
We compare all three credit bureau files, flag errors, and create a clean evidence package. If there’s a violation, we move quickly and keep you updated at every step.
Fixing Payment Reporting Errors That Hurt Your Score
Some furnishers misreport plan payments (for Chapter 13) or mark active accounts “closed/charged‑off.” We force accurate updates so your credit file shows the payments you actually made.
Correcting Wrong Balances & Statuses
After discharge, included debts should report $0 balance and indicate the bankruptcy — not “amount due.” We compel updates and stop negative statuses that shouldn’t appear post‑filing.
Removing Bankruptcy Records That Stay Too Long
Bankruptcy records can remain on a credit report for up to ten years, with Chapter 13 usually reported for a shorter period than Chapter 7. Accounts and collections generally stay for about seven years from the first delinquency. We track these timelines closely to ensure outdated information is removed as soon as the law requires.
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Gary Nitzkin and Creit Repair Lawyers of America team, Thank you very much for all your services on my Bank Fraud case. You, and your team, were always very timely, professional, and extremely knowledgeable in responding to any of my concerns that arose throughout the duration of this case. And, you won my case and got my money back! I cannot thank you enough.
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Expert Lawyers
Attorney‑led consumer and credit law team focused on the FCRA and post‑bankruptcy reporting.
Fast Resolution
We run the legal clocks (30‑day reinvestigation + possible 15‑day extension) and escalate when deadlines slip.
No Cost to You
When we prevail, the other side pays your fees and costs.
FAQ for Fixing Credit After Bankruptcy
The FCRA allows reporting for up to 10 years. In practice, the major bureaus report Chapter 7 for 10 years and Chapter 13 for 7 years.
Debts included in your bankruptcy should show a $0 balance and indicate inclusion/discharge in bankruptcy. If a balance is still shown as owed after discharge, dispute it — that’s inaccurate.
Not for pre‑petition periods. Reporting new delinquencies after your filing date (for discharged debts) is typically inaccurate. We dispute and, if needed, litigate to correct it under the FCRA.
A credit reporting agency generally has 30 days to reinvestigate disputes (with up to 15 extra days if you submit additional information during the first 30 days).
Yes. When we win an FCRA case, courts can award costs and reasonable attorney’s fees for negligent or willful violations.
We cite the FCRA’s time bar and demand removal (10‑year maximum). For Chapter 13 that persists past 7 years with the CRAs, we press for deletion based on their policies and the statute’s 10‑year cap.
For most accounts, 7 years from the date of first delinquency — the clock begins 180 days after the delinquency that led to charge‑off/collection.
No. Reaffirmation is optional under bankruptcy law. If you do reaffirm, the reaffirmed account should reflect accurate ongoing payments, while discharged portions should report $0.
Resources
Get Legal Help to Rebuild After Bankruptcy
Your fresh start shouldn’t be blocked by bad data. We fix your credit report the right way — audits, dispute letters, and, when needed, lawsuits — so your credit score reflects the truth. Free consultation. No out‑of‑pocket cost when we prevail.
