Checking Every Discharged Account

Gather your documents

• Your discharge order.
• Your bankruptcy schedules listing creditors.
• Any reaffirmation agreements you signed.
• Current reports from all three bureaus.

Match each creditor

Make a list of scheduled creditors. For each one, find the matching account on each report and write down the balance, status, and remarks.

Which items are worth reviewing?

• A balance or past-due amount on an account that was discharged.
• A status showing active collection after your discharge date.
• A debt buyer reporting a discharged debt as owed.
• A reaffirmed account reported incorrectly.

Keep perspective

Accurately reported negative history, including late payments before bankruptcy, may lawfully remain on your report. Reviewing is about accuracy, not removing truthful information.