@afterchapter7 wrote:Hi everyone,
After a bankruptcy discharge, you'd think that should be the end of your debt reporting issues… but unfortunately, many of us discover that isn't always the case.
If you're reviewing your credit reports post-discharge, here are a few common inaccuracies to look out for:
Accounts still showing as open or with a balance (they should be listed as “included in bankruptcy” or similar)
Incorrect dates of last activity or status updates
Reaffirmed accounts not marked properly
Collection accounts that were discharged but still show as active
Duplicate reporting of discharged debts by debt buyers
Hard inquiries from debt collectors or creditors after discharge
Accounts showing as “charged off” instead of “discharged in bankruptcy”
Even a small error can hurt your score or cause issues with new credit or employment opportunities. It’s worth double-checking all three reports. When a consumer files bankruptcy and receives a discharge, the law doesn’t just wipe the debt—it changes how that debt is allowed to be reported. If creditors or credit bureaus report misleading, outdated, or outright wrong info after being notified of the bankruptcy, they may be violating the FCRA, which requires accuracy, completeness, and reasonable investigations of disputes.
Hope this helps someone out there!
All good points...and sadly almost every reporting issue you delineated had to be corrected after my wife's discharge. As you noted, it is not as clean a slate as one would hope without due diligence.
