Credit Report Not Right after Chapter 7

[Elena McCabe]

What is the name of your state? California
What do I write to all three credit bureaus since credit report does not show discharged in bankruptcy for each creditor that was discharged? Is there a "pursuant to Bankruptcy Code..." or pursuant to law (code,etc), credit reporting agencies must take out derogatory and replace it with discharged in bankruptcy for each creditor discharged in bankruptcy. I want to write to all 3 credit reporting agencies, but am not sure what the law states and how to make sure they indicate corrections.

[moburkes]

A great board for advice on getting your credit back together is [url]www.creditboards.com[/url]. Click on forums, then click on bankruptcy forums. Start at the top. LOTS of info, help, and advice.

[JETX]

Originally Posted by Elena McCabe

What is the name of your state? California
What do I write to all three credit bureaus since credit report does not show discharged in bankruptcy for each creditor that was discharged?

There is no requirement for a particular form or format. Just write what you want in a legible CONCISE manner.

Is there a "pursuant to Bankruptcy Code..." or pursuant to law (code,etc), credit reporting agencies must take out derogatory and replace it with discharged in bankruptcy for each creditor discharged in bankruptcy.

There is NO requirement for them to remove 'derogatory' comments as long as those comments are accurate. And yes, they ALSO note that the debt was discharged in bankruptcy.