Post Discharge Credit Restoration

Congratulations! You've completed all the required documents, courses, and hearings and the time for anyone to object to you earning a discharge of your unsecured debt has passed and an Order of Discharge has been signed by the Judge. Finally, it is over - time for the long awaited "Fresh Start" - it's over; almost.

It is very important to realize that the Order of Discharge of your unsecured debt is ONLY going to stop your old creditors for trying to collect their debt from you. The discharge does not change what had been reported on your credit bureau reports. That information will remain there until it must be removed by the passage of time OR until you demand that it be changed as required/permitted under the Fair Credit Reporting Act.
If you choose to wait for the passage of time, plan on waiting at least seven years (15 U.S.C. 1681c). Alternatively, you can demand that the information be either removed or changed to correctly reflect a zero balance as discharged in bankruptcy (15 U.S.C. §1681s-2).

Our office can register your case with an organization that generates all the correspondences necessary under the Fair Credit Reporting Act to effect these changes within as little as six months following your discharge. There is a nominal fee that can easily be considered a great investment.

Information provided by Derrick B. Hager - Attorney at Law