Ensure Your Credit Report is Accurate

After bankruptcy, some creditors might fail to update your accounts properly. That can hurt your credit score even more than necessary.

You want to make sure:

• All debts discharged in bankruptcy show a $0 balance
• They’re labeled “included in bankruptcy” (not just left as “delinquent” or “charged off”)
• No account is showing as still open or past due

Catch and Fix Errors Early

• Credit reporting errors are common, and after bankruptcy, they can cost you time and progress.
• If old debts are still showing as active or unpaid, lenders will think you still owe — and that makes it harder to get approved for new credit, housing, or even jobs.

Start with a Clean Slate

• Bankruptcy is meant to give you a fresh financial start.
• Pulling your reports ensures that the clean slate is actually reflected in your credit file.
• Once everything looks correct, you can confidently begin rebuilding.

How to Do It

You can get your free reports at AnnualCreditReport.com — no credit card needed. Check Equifax, Experian, and TransUnion separately because each may report slightly differently.