Post Bankruptcy Credit Report Audit
Ensuring Your Credit Report Accurately Reflects Your Bankruptcy Discharge
Completing a bankruptcy case is an important step toward a financial fresh start. Unfortunately, many consumers discover months later that their credit reports still contain errors related to discharged debts.
This post-bankruptcy credit audit is designed to determine whether credit reporting after discharge complies with federal law.
Who This Review Is For
This audit is intended for individuals who:
- Have received a bankruptcy discharge
- Continue to see incorrect informationon one or more credit reports
- Are unsure whether post-discharge reporting is accurate
- Have attempted disputes, or are uncertain whether disputes are required
- Ongoing bankruptcy cases
- General credit improvement or score-building
- Debt counseling or budgeting assistance
Common Post-Discharge Credit Reporting Errors
After bankruptcy, creditors and credit bureaus frequently report information inaccurately. Common issues include:
- Discharged accounts reported as past due
- Incorrect balances after discharge
- Accounts not marked as “included in bankruptcy”
- New delinquency dates appearing after discharge
- Charge-offs reported after the discharge date
- Inconsistent reporting across Experian, Equifax, and TransUnion
What the Post-Bankruptcy Credit Audit Involves
The audit is a focused review of your credit reports to determine whether post-discharge reporting complies with the Fair Credit Reporting Act (FCRA).
The review may include:
- Examination of all three major credit bureaus
- Identification of post-discharge reporting errors
- Assessment of whether disputes are appropriate
- Determination of whether legal remedies may be available
- There is no cost for the audit
- The audit is separate from your bankruptcy case
- There is no obligation to pursue litigation
Relationship With Your Bankruptcy Attorney
If you were referred by a bankruptcy attorney, this review is handled independently and does not affect your bankruptcy case. We coordinate appropriately and respect existing attorney-client relationships.
Request a Post-Bankruptcy Credit Audit
To request a review, please complete the screening form below. This information helps determine whether a post-bankruptcy audit is appropriate.
Please note: This process is limited to post-discharge credit reporting accuracy and is not credit repair.
About Story Law Group
Story Law Group is a consumer justice law firm focusing on federal credit reporting and consumer protection matters nationwide. We regularly handle cases involving post-bankruptcy credit reporting violations under the Fair Credit Reporting Act.
Legal Disclaimer
This page is for informational purposes only and does not constitute legal advice. Submission of this form does not create an attorney-client relationship. The post-bankruptcy credit audit is separate from any bankruptcy representation.