Bankruptcy Credit Repair
Bankruptcy is a fresh start, but only if your credit report reflects it accurately. We dispute incorrect post-bankruptcy reporting, accounts still showing balances after discharge, and items that should have been included.
- Audit of every account against your discharge order
- Disputes for accounts still reporting past due after discharge
- Public-record verification challenges
- Roadmap for rebuilding new positive credit
Why post-bankruptcy reporting is so often wrong
After discharge, every account included in your bankruptcy must report a zero balance and a status of 'included in bankruptcy'. In practice, many furnishers fail to update accounts properly, leaving balances, past-due markers, or even active collection statuses. These errors keep your score artificially low and signal to lenders that you have unresolved debts you do not actually owe.
What we do
We obtain your discharge documents, audit every tradeline against the order, and dispute any account that does not match the legal record. We also work on the bankruptcy entry itself: when public-record sources cannot verify the filing within 30 days, the bureaus must remove it.
Frequently asked questions
Can bankruptcy be removed from a credit report?
Chapter 7 bankruptcies can stay on a credit report for up to 10 years, Chapter 13 for 7 years. They can be challenged when reported inaccurately, unverifiable through court records, or past the legal reporting window.
How quickly can my credit recover after bankruptcy?
With the right strategy, many clients see meaningful score improvement within 6 to 12 months. Removing accounts that were discharged but still reported as active is one of the biggest early wins.
What about accounts that were included in my bankruptcy?
Accounts discharged in bankruptcy must be reported as 'included in bankruptcy' with a zero balance. We dispute any account still showing as past due, in collections, or with a balance after discharge.
Ready to take the first step?
Book a free, no-pressure consultation. We'll review your situation and tell you exactly what's possible.