Many times, accounts which were included in a bankruptcy are not updated to reflect this on your credit report which could lower your credit score even more than it already is.
This is a sample letter requesting the update of those accounts to show “Included in Bankruptcy”. Keep a copy for your files and send the letter registered mail.
123 Your Street Address
Your City, ST 01234
(Current address for the last 5 years)
Credit Bureau Address
Some City, Any State 56789
CREDITOR AGENCY Account XXXXX-XXXXXXXXXXX
CREDITOR AGENCY Account YYYYY-XXXXXXXXXXX
CREDITOR AGENCY Account ZZZZZ-ZZZZZZZZ
To Whom it May Concern:
Dear Credit Bureau:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts were included in my bankruptcy and are instead showing as. The incorrect listings are lowering my credit score unnecessarily, and it is also preventing me from purchasing a home. I am enclosing a copy of my bankruptcy discharge papers as proof of the date of my discharge.
Please correct your records to display the proper listings.
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