Be aware that your credit report will reflect your bankruptcy for ten years after the date of the last action in your bankruptcy case. Sometimes the credit bureaus show debts which have been discharged (eliminated) in bankruptcy. You can obtain a free credit report from each of the three major credit bureaus (Experian, TransUnion and Equifax) once each year so you can check. If this occurs, notify the credit bureau in writing that you received a discharge on the particular debt and give them the case number and a copy of the petition and discharge. The debt should be reflected as “discharged” on your credit report within 30 days. Reporting debts as discharged may improve your post-bankruptcy credit score.

This blog should be used for informational purposes only. It does not create an attorney-client relationship with any reader and should not be construed as legal advice. If you need legal advice regarding Credit Report After Filing for Bankruptcy, or any other Bankruptcy matters, please feel free to contact Joel E. Sannes at 480.461.5307, or log on to,  or contact an attorney in your area. Udall Shumway PLC is located in Mesa, Arizona and is a full service law firm. We assist Individuals, families, businesses, schools and municipalities in Mesa and the Phoenix/East Valley.