Information
If you have filed Chapter 7 Bankruptcy and have never cleaned up your credit file, you are only hurting yourself. The first thing you should do after a bankruptcy is to make sure all 3 major credit bureaus know that bad debt is now bankruptcy debt. In some cases, bankruptcy can make your bad debt look better, because you are no longer being reported as delinquent.
The easiest way is to send a letter to each of the 3 bureaus (Equifax, Trans Union, and Experian) a letter that states you need your information updated. Here is an example:
Credit Bureau Research Request
I have recently had a Chapter 7 Bankruptcy Discharged and I need my information updated and judgments removed.
My Information:
Jane Claudia Doe
SSN: 000-00-0000 DOB: 01/01/2001
Current Address:
123 N Main St
Anytown, NY 10056
Phone: (212) 555-1212
Previous Names: Jane C Dame-Doe, Jane Claudia Dame
Public Records to be removed:
Credit Items to be updated:
Thank you,
/s/Jane Doe 12/31/2009
Jane Doe
Enclosures:
Bankruptcy Discharge Page - Schedule D - Schedule F - Drivers License - Social Security Card Order Directing Clerk of Court to Discharge Judgments Discharged in Bankruptcy
Be sure to send everything I listed in the Enclosures. Also include a copy of a court order and/or marriage license if your name has changed since your bankruptcy.
Send a copy to each of the 3 bureaus, check their respective websites for the most recent contact address. Also, send each letter via Priority Mail, not certified mail. You have tracking information and they don't have to sign, so your letter will not be refused. They have 30 days to update your file after the letter is received (45 days for Free Annual Credit Report disputes).
I have found that it is best to make sure you only ask them to update information that is contained in their particular file. Example: If only Equifax reports Joe Schmoe Bank, then only include update information for Joe Schmoe Bank in Equifax's letter.
Labels: credit, bankruptcy, credit report, chapter 7, free credit report.
The easiest way is to send a letter to each of the 3 bureaus (Equifax, Trans Union, and Experian) a letter that states you need your information updated. Here is an example:
Credit Bureau Research Request
I have recently had a Chapter 7 Bankruptcy Discharged and I need my information updated and judgments removed.
My Information:
Jane Claudia Doe
SSN: 000-00-0000 DOB: 01/01/2001
Current Address:
123 N Main St
Anytown, NY 10056
Phone: (212) 555-1212
Previous Names: Jane C Dame-Doe, Jane Claudia Dame
Public Records to be removed:
| Public Record Item | Case Number | Nature of Dispute |
| 111 Collections, Inc | CIV020035 | Discharged in Bankruptcy Case No 09-01234 |
| Big Bank Mortgage Company | CIV0500555 | Discharged in Bankruptcy Case No 09-01234 |
| 111 Collections, Inc | CIV060011 | Discharged in Bankruptcy Case No 09-01234 |
Credit Items to be updated:
| Company Name | Account # | Nature of Dispute |
| Company Im Dodging | 12345 | Discharged in Bankruptcy Case No 09-01234 |
| Capital One | 5307999912345678 | Discharged in Bankruptcy Case No 09-01234 |
| Citibank | 514812345 | Discharged in Bankruptcy Case No 09-01234 |
| Providian | 4031012345678901 | Discharged in Bankruptcy Case No 09-01234 |
| Next Card | 425995489746458 | Discharged in Bankruptcy Case No 09-01234 |
Thank you,
/s/Jane Doe 12/31/2009
Jane Doe
Enclosures:
Bankruptcy Discharge Page - Schedule D - Schedule F - Drivers License - Social Security Card Order Directing Clerk of Court to Discharge Judgments Discharged in Bankruptcy
Be sure to send everything I listed in the Enclosures. Also include a copy of a court order and/or marriage license if your name has changed since your bankruptcy.
Send a copy to each of the 3 bureaus, check their respective websites for the most recent contact address. Also, send each letter via Priority Mail, not certified mail. You have tracking information and they don't have to sign, so your letter will not be refused. They have 30 days to update your file after the letter is received (45 days for Free Annual Credit Report disputes).
I have found that it is best to make sure you only ask them to update information that is contained in their particular file. Example: If only Equifax reports Joe Schmoe Bank, then only include update information for Joe Schmoe Bank in Equifax's letter.
Labels: credit, bankruptcy, credit report, chapter 7, free credit report.
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