This is a common question asked by debtors regarding bankruptcy. The fact that you missed payments before filing bankruptcy may still appear on your credit report, but the debt itself should be listed as $0.00 balance and discharged in bankruptcy if in fact it was discharged in bankruptcy. Continuing to report a balance due is a violation of your rights. Even using the word "charged off" for a discharged debt is inaccurate. A bankruptcy discharge does not require the removal of past delinquencies. The best thing to do is begin paying everything on time. You are not a bad risk to creditors since you just received a discharge in bankruptcy. Therefore, you can get credit cards to help you boost your credit score after bankruptcy. It is possible to get a very good credit score within a year after a bankruptcy discharge. Also, you can dispute your credit report by following the instructions on the bottom of the last page of your credit report, which states how to dispute your credit report. Your last option to clear the incorrect reporting would be to sue.
The following is the contact information for all three credit reporting agencies:
TRANS UNION, LLC
1561 E. Orangethorpe Ave.
Fullerton, CA 92831-5210
EXPERIAN INFORMATION SOLUTIONS, INC.
475 Anton Blvd.
Costa Mesa, CA 92626-7037
EQUIFAX INFORMATION SERVICES, LLC
1550 Peachtree St NW
Atlanta, GA 30309-2468