Many people think that after they have gone through a bankruptcy, all the accounts that were included in the bankruptcy will be automatically wiped off their credit reports. In fact, I have had clients tell me that that's exactly what their bankruptcy attorneys told them. "You don't need to write any credit repair letters. Those things will go away on their own once the bankruptcy goes through." Wrong!
In the vast majority of cases, the accounts that were included in your bankruptcy will still report long after the bankruptcy concluded. People get a false sense of security from the faulty legal advice they are offered, and that is a sad reality in deed. These people need to be re-informed. They cannot sit back and wait for their credit to clean itself up.
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The fact is that you do need to do credit report disputing even after your bankruptcy is through. But don't rush out and hire an expensive Credit Repair company to do your disputing for you. They can't do anything for you that you can't do for yourself, and you can do it for free!
In fact, the Federal Trade Commission recommends self credit repair over any company, service, or software that's available. Look over the FTC's consumer facts provided here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm to see that disputing your own accounts is what the FTC calls the best credit repair strategy.
If you've just gone through a bankruptcy, then you know which accounts were included in it. Get a current copy of your credit report and review it carefully. If any of those accounts are still reporting balances even after the bankruptcy, you need to write credit dispute letters to the reporting credit bureaus. You can find samples of them available all over the web. I like the one provided by the FTC myself, but any of them will do the job. Just tailor the letter to your specific accounts. If you can include any documentation that proves that the account is inaccurate, send that along with the credit letter. The company reporting the account has a legal responsibility to get it taken care of. Your letter will help make sure they do that.
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