Disputing a False Claim After Bankruptcy
In the case of you filing your bankruptcy the presiding judge will discharge all the accounts and debt’s also including the bankruptcy claim. Whenever this is done it increases the customer debt to income ratio, and after this the particular account should not show any incorrect figures after the discharge take place. Ultimately, this improves the person’s credit score, but if you see anything negative on your current report you will have to file a dispute to the relevant agencies to have the matter dealt with.
In case this particular creditor still insist on sending these false claims then you have the right to file a law suit against this institution for damages under the Credit Reporting Act. The following information is one that should be used when disputing false claims on a credit report. Get a copy of your credit status online, but be aware that these companies have customer giving away their rights just to see their credit reports. Therefore, when using this process you might have to pay for services which you may not need so the best way to go about this is to write the report to them. The customer can also get a free copy of this report from the Annual Credit Report Request Service.
You should then write a letter to your credit company stating that you have filed bankruptcy and also give them the court case number for reference. Besides this, you should also list the specific accounts and account number which were discharged. Send this letter via certified mail and make sure you keep a copy of it.