Debts discharged in my bankruptcy are being reported on a credit report – what to do?

Under the Fair Credit Reporting Act (“FCRA”) as long as the reported item on a credit report it is listed as $0 balance, or included in bankruptcy, that information can stay as long as it is accurate, complete and not misleading. Therefore, debts discharged in bankruptcy can still be reported on the credit report to show that you had this account in the past, as long as it shows that there is no current balance owed or that the debt was included in bankruptcy.

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Terrance Leeders

Chicago Bankruptcy Attorney, husband, father, Cubs fan.

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