Client FAQ: Rebuilding Credit After Bankruptcy

How do I check my credit reports after bankruptcy?

Visit AnnualCreditReport.com, the official site for free reports from Equifax, Experian, and TransUnion. You do not need to buy a subscription to get your free reports there.

What if a discharged account still shows a balance?

That may be an inaccuracy worth reviewing. You can dispute inaccurate information with the credit bureau and the company that reported it. If the problem continues, or if a creditor is trying to collect a discharged debt, consider speaking with an attorney about your options.

Should I open a secured credit card?

A secured card may help some people establish new payment history. Before applying, compare deposits, annual fees, interest rates, and whether the issuer reports to all three bureaus. Approval and any change in credit score are never assured.

How should I monitor my accounts?

Review your reports periodically, read every statement, and keep records of any communications about discharged debts.

What habits matter most?

• Pay every bill on time.
• Keep balances well below credit limits.
• Avoid taking on more credit than you can comfortably repay.
• Build an emergency fund, even a small one.

Can I get a free consultation after bankruptcy?

Yes. Juris Firm Chartered offers a free initial consultation for Florida clients with post-discharge credit reporting questions. A consultation does not create an attorney-client relationship.