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Dear Debt-Free Client,

Congratulations on the official completion of your bankruptcy case!

By now you should have received your discharge statement in the mail from the Bankruptcy Court. If you have not, you should get it soon.

Below on this page are sample letters for you to use to send to the credit reporting bureaus, notifying them of your discharge and requesting specific actions pursuant to your credit record. Along with these letters, you must send copies of your driver’s license and Social Security Card or Birth Certificate to the credit reporting bureaus as proof of your identity. Please mail the letters via certified mail and when you have received the green Return Receipt, keep them, along with copies of the letters you have sent, you may need them later to prove that you notified them of your discharge in bankruptcy

I recommend that you secure a credit report from all three of the Credit Reporting Agencies (Equifax, Experian and TransUnion) about three months after your bankruptcy discharge is granted and review them carefully. All of your creditors must report only a “0″ balance on your credit report after discharge and if they fail to do so, then we could have a violation of the Bankruptcy Code and the Fair Credit Reporting Act.

Very Truly Yours,

The entire team at West Hurley Malkiewicz

Please Note: The addresses for the credit reporting bureaus do change from time to time, so if you discover an address we have listed needs to be updated, please let us know. Sample letters and more information follows

Date
CERTIFIED MAIL – RETURN RECEIPT
TransUnion
Attn: Dispute Resolution Department
PO Box 2000
Chester, PA  19022
In the Matter of:
Your name
Address
Address
Case:  09-xxxx
Chapter  7 or 13
File Date:   (date you filed)
Discharge Date:  (date of your discharge)

Dear Sir or Madam:

For your reference I am enclosing a copy of the Order Discharging Debtor entered on my bankruptcy case. Please update the subject credit file(s) to reflect the discharged status of the debts as indicated on the Final Report from the Trustee. It is my understanding that the Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires you to report a current balance of “0″ on all of these accounts that have been discharged in my bankruptcy case.

To the extent that any of the discharged debts are reporting anything other than a “0″ balance, please consider this letter as a Dispute under the Fair Credit Reporting Act. Consequently, I am requesting you to immediately activate the Automated Dispute Resolution System program with respect to this written notice.

It is also my understanding that pursuant to the Fair Credit Reporting Act you are required to conduct an investigation or reinvestigation of each of the items in my report that are disputed by me and that you will promptly notify me of the results of your investigation. In addition, it is my understanding that each of the above creditors is required to investigate my disputes upon receipt of notification from you of this information. In order to facilitate those investigations I request that you forward this letter, and the enclosures, to each of the creditors listed above. If for any reason you decline to send a copy of my letter and the enclosures to any of the creditors, I request that you promptly advise me so that I can take additional steps to protect myself.

Thank you for your assistance with this matter.

Sincerely

date
CERTIFIED MAIL RETURN RECEIPT
Equifax Information Service Center
Attn: Dispute Resolution Department PO Box 105873
Atlanta, GA 30348
In the Matter of:
In the Matter of:
Your name
Address
Address

Case: 09-xxxx
Chapter 7 or 13
File Date: (date you filed)
Discharge Date: (date of your discharge)

Dear Sir or Madam:

For your reference I am enclosing a copy of the Order Discharging Debtor entered on my case. Please update the subject credit file(s) to reflect the discharged status of the debts as indicated on the Final Report from the Trustee. It is my understanding that the Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires you to report a current balance of “0″ on all of these accounts that have been discharged in my bankruptcy case.

To the extent that any of the discharged debts are reporting anything other than a “0″ balance, please consider this letter as a Dispute under the Fair Credit Reporting Act. Consequently, I am requesting you to immediately activate the Automated Dispute Resolution System program with respect to this written notice.

It is also my understanding that pursuant to the Fair Credit Reporting Act you are required to conduct an investigation or reinvestigation of each of the items in my report that are disputed by me and that you will promptly notify me of the results of your investigation. In addition, it is my understanding that each of the above creditors is required to investigate my disputes upon receipt of notification from you of this information. In order to facilitate those investigations I request that you forward this letter, and the enclosures, to each of the creditors listed above. If for any reason you decline to send a copy of my letter and the enclosures to any of the creditors, I request that you promptly advise me so that I can take additional steps to protect myself.

Thank you for your assistance with this matter.

Sincerely

date
CERTIFIED MAIL – RETURN RECEIPT
Experian Information Solutions Attn: Supervisor, Legal Department 701
Experian Parkway
PO Box 1240
Allen, Texas 75013
In the Matter of:
In the Matter of:
Your name
Address
Address

Case: 09-xxxx
Chapter 7 or 13
File Date: (date you filed)
Discharge Date: (date of your discharge)

Dear Sir or Madam:

For your reference I am enclosing a copy of the Order Discharging Debtor entered on my case. Please update the subject credit file(s) to reflect the discharged status of the debts as indicated on the Final Report from the Trustee. It is my understanding that the Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires you to report a current balance of “0″ on all of these accounts that have been discharged in my bankruptcy case.

To the extent that any of the discharged debts are reporting anything other than a “0″ balance, please consider this letter as a Dispute under the Fair Credit Reporting Act. Consequently, I am requesting you to immediately activate the Automated Dispute Resolution System program with respect to this written notice.

It is also my understanding that pursuant to the Fair Credit Reporting Act you are required to conduct an investigation or reinvestigation of each of the items in my report that are disputed by me and that you will promptly notify me of the results of your investigation. In addition, it is my understanding that each of the above creditors is required to investigate my disputes upon receipt of notification from you of this information. In order to facilitate those investigations I request that you forward this letter, and the enclosures, to each of the creditors listed above. If for any reason you decline to send a copy of my letter and the enclosures to any of the creditors, I request that you promptly advise me so that I can take additional steps to protect myself.

Thank you for your assistance with this matter.

Sincerely