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Discussion in 'Credit Talk' started by Desmond, Oct 5, 2000.
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It is noted under the Public Records Section that you filed BK and each creditor that reports to the Bureau is listed and it says "Included in Bankruptcy" before each one.
That's the way it's supposed to work, but you better check your credit reports a few months after discharge. About five of my creditors didn't bother to inform the credit bureaus they were included in bankruptcy. Instead, they are listed 180 days past due or charged off after the BK -- as if they knew nothing about my Chapter 7. Funny, though, they all stopped sending bills and calling me about a month after I filed.
Who do I contact to let them know to put
"included in BK" on my credit report?
To be honest, I'm having a lawyer do it. That's because someone I knew who filed BK tried to do it through the credit bureaus, who talked him into sending his bankruptcy papers to them. It's not your job to prove your debts were discharged; it's the creditors' job to report correctly.