I had a bankruptcy discharged a year ago and my reports are still a mess. What should I do?

Post Discharge Adjustments

Your case is not unique. After a bankruptcy is complete the discharged accounts should be updated to remove any past due balance and collection status. The discharged items should be quite tidy and have a note inserted that the account was included in bankruptcy.

Dealing with Reality

Unfortunately, unless your attorney handles it for you, or you take the time to do it yourself, these errors may linger for years. Post-bankruptcy credit repair is not difficult and can have a dramatic and quick impact on your credit scores. If you have had a bankruptcy discharged you should take action immediately to repair and rebuild your credit. It is a mistake to ignore your credit report or the potential of credit repair. If you do the right things your credit scores can be quite good within 6 months of your discharge.