Credit Report Errors After Bankruptcy? Here’s How to Fix Them— At No Cost to You!

You made it through bankruptcy.
You earned your discharge.
And now your credit report should reflect that fresh start — but something’s off.

If your discharged debts are still showing up or your credit score doesn’t reflect your progress, you are not alone — and you do have options to correct this issue.

Whether you filed with our office or elsewhere, we’re here to help! Our firm has always focused on one thing: finding lasting debt resolution for Michigan families. That means making sure the Michigan bankruptcy discharge process you worked for truly pays off.

Take the first step by calling us today at 248-443-7033 and ask for our post-discharge bankruptcy expert, Amanda. She will take it from there.

Why Is Debt Still Showing on My Credit Report After Bankruptcy?

This is a common (and fixable!) problem. Every year, it’s estimated over 170,000 people who complete bankruptcy still deal with credit reporting errors after bankruptcy that never get corrected.

After your discharge, creditors have 30 to 45 days to update your credit report after bankruptcy. If they don’t, it can lead to a number of issues:

• Negative hits to your credit score
• Higher interest rates
• Credit denials when applying for a loan or mortgage
• Lower credit limits or difficulty getting approved for a credit card

These aren’t just mistakes — they can violate your rights under the Fair Credit Reporting Act post-bankruptcy, which protects you from inaccurate or unfair reporting.  

Common Credit Reporting Errors After Chapter 13 or Chapter 7 Discharge

If you’re asking, “Why is debt still showing after my bankruptcy discharge?” — you’re not alone. The most common credit report mistakes after bankruptcy we see include:

• Accounts that were discharged showing as delinquent or charged off
• Balances still showing that should be $0
• Credit reports that fail to reflect your new, improved debt-to-income ratio

These issues can constitute serious violations of your rights under bankruptcy credit reporting laws, especially when creditors fail to act within the required timeline.

Did you know that all three credit bureaus have been penalized for incorrect credit reporting following bankruptcy? While one report may be correct, another may still reflect wrong information. That’s why it’s critical to check all three bureaus. That is where we can provide free assistance to connect you with credit reporting experts to pull your reports from all three bureaus, analyze for issues and take necessary action to correct or even legal action is required. Please fill out the form below and we will get right on it.

Credit Report Review Form

How to Fix Credit Report Errors After Bankruptcy

Whether or not you filed bankruptcy with us, we want to help you protect your recovery. That’s why we’ve partnered with a trusted, A+ BBB-rated legal team that specializes in credit reporting correction after bankruptcy discharge. They can:

• Review your credit reports for free
• Identify any errors or violations
• Address any specific concerns or questions you may have
• Handle disputes — and even pursue claims against creditors if needed

You won’t pay anything out of pocket.
They only get paid if they win a case against the creditor — and if they do, you would be entitled to compensation, too.

We only refer clients and contacts to partners we fully trust. We’ve worked with their team for years with great successes and no issues. Their credit advocates will walk you through the process, answer your questions, and fight for your fresh start — all at no upfront cost.

What to Expect From the Process

Here’s how it works:

• Submit your info through the secure form below or give us a call.
• The credit team will help you access your reports from all three credit bureaus.
• Within a few business days, they’ll review everything for accuracy and follow up with their findings.
• If they identify problems, they’ll explain the next steps to getting them corrected.
• If a creditor fails to address the error properly, the credit specialist team will help you escalate the issue through Court of Law — with no out-of-pocket costs to you.

Just finished your Chapter 13 discharge and wondering what happens next? Let’s make sure your credit report reflects the new beginning you’ve earned.

Real Results: What Our Clients Are Saying

“After my discharge, I started getting flooded with calls and mail from companies offering credit help, and I wasn’t sure who to trust. When I spoke to Helen at Consumer Justice, she walked me through the process in a way that made me feel supported. They found real errors and handled the whole process. I got peace of mind and eventually a settlement — and I didn’t have to pay anything out of pocket.”
— J. Fickes, Michigan Bankruptcy Filer

Quick Checklist: What to Check on Your Credit Report After Bankruptcy

Get Post-Bankruptcy Credit Help in Michigan

If your case was discharged — whether with us or another attorney — you can request a free credit report review after bankruptcy to make sure it accurately reflects your new beginning.

If everything looks okay, you gain peace of mind. If there are issues, you’ll have a team of professionals advocating for you. There may even be compensation from creditors who don’t fix errors in a timely manner.

Either way, it’s a no-risk, win/win for your financial future. For immediate assistance, please fill out the contact form below or call (586)-331-6847 and ask for Amanda at ext 233. We are here to help!

Credit Report Review Form

*If you don’t have your case info handy, don’t stress! We can retrieve it using PACER (Public Access to Court Electronic Records) at no cost to you.

We’ll pass your info to our trusted credit partner, and our team will support you throughout the process — so your discharge gets the respect it deserves.

You Deserve the Full Benefit of Your Bankruptcy

Whether you worked with us or another firm, you did the work. You followed through.

You shouldn’t be penalized because a creditor failed to update their records properly.

If your credit report isn’t telling the full story — or you just want peace of mind — we’re here to help fix credit reporting errors after bankruptcy. No cost. No obligation. Just support.

Reach out today or call (248) 443-7033, ext. 233 — and let’s make sure your financial recovery is on track.