My law office has begun offering a valuable new service, for our bankruptcy clients. At no additional charge to you, after your bankruptcy discharge, my firm will contact the three major credit reporting services, and make sure that your credit report is accurate. This can result in your credit score increasing from 25 to 150 points.
It has been a big problem for years. A person or couple files bankruptcy, their debts are discharged. Unfortunately, 10-20% of their creditors inaccurately report that the debt(s) are still owing, that they have a collection item on their report, etc. If you have 10 creditors, 1 or 2 may mistakenly, or purposefully, report that the debt is still owed. Bill collectors or “debt buyers” may also report inaccurate information. If you have 20 creditors, it could be 2 to 4, or even more creditors, that report inaccurate info.
This can cause you to be denied credit for a house or car. If the credit bureaus do not fix your report after my firm contacts them and demands it be done, my firm (if justified) will then pursue a legal action against the responsible credit bureaus and/or credit furnishers under what’s known as the Federal Fair Credit Reporting Act (FCRA) to correct your credit file(s), and to recover any damages, costs and/or attorney’s fees to which you may be entitled.
Your credit reports are very important to you, and should be as good as we can make them, so that when you and/or your spouse or family needs a home or vehicle, or needs to qualify for a job or good insurance rates, that your credit score is as high as possible.