Letter to Update Accounts or Debts That Were Discharged in a Bankruptcy

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This Letter to Update Accounts Discharged in Bankruptcy will be sent to any credit reporting agency who does not update a credit report after bankruptcy has been filed. This incorrect reporting frequently happens and it is imperative that any accounts discharged by a bankruptcy be updated accordingly.

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This Letter to Update Accounts Discharged in Bankruptcy is sent to a credit reporting agency when an account is incorrectly reported after bankruptcy has been filed. Credit reporting agencies often do not update their accounts to reflect that an individual has filed for bankruptcy and many discharged items may contain incorrect information. This derogatory information will significantly lower your credit score and it is imperative that all information be corrected after a bankruptcy is discharged. This Letter to Update Accounts Discharged in Bankruptcy gives the credit agency written notice that any accounts discharged in bankruptcy should be updated accordingly.

This Letter to Update Accounts Discharged in Bankruptcy contains the following:
  • Reporting Agency: The name and address of the credit reporting agency;
  • Bankruptcy Information: Detailed information regarding the bankruptcy including case number and court where filed;
  • Discharged Accounts: Detailed information regarding the discharged accounts, including any civil judgments;
  • Investigation: Requests that the credit agency investigate the matter, update the credit file and send a revised credit report to the writer.

Protect Yourself and Your Rights by using this accurate and up-to-date form. This attorney-prepared package includes:
  1. Information
  2. Letter to Update Accounts Discharged in Bankruptcy Case
State Law Compliance: This form complies with the laws of all states
Number of Pages3
DimensionsDesigned for Letter Size (8.5" x 11")
EditableYes (.doc, .wpd and .rtf)
UsageUnlimited number of prints
Product number#29254
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
Your Name
City, State & Zip
Name of Credit Reporting Agency
City, State & Zip
RE:    Inaccurate reporting of accounts that were discharged in Bankruptcy case
Dear Sir or Madam:
I obtained a copy of my credit report and discovered a lot of inaccurate information.  
I filed for bankruptcy protection under Chapter 7 on (insert date here), under case #________________________, in the __________________ Division of ___________________________.  
There are several accounts displayed on my report, which are debts that were discharged in my bankruptcy case. I am attaching a copy of the Unsecured Creditors Schedule and a copy of the Order of Discharge dated _______________________.  The following tradeline accounts should be showing “discharged in Bankruptcy as of ______________, with no balance:
{List all accounts here, including civil judgments discharged}
Please review the bankruptcy records for the case listed above through your online access.
I respectfully request you investigate and update the above-referenced accounts so the information is correctly displayed on my credit file. Send me an updated copy of my credit file after updating and correcting the incorrect information on my credit file. The Fair Credit Reporting Act requires you to investigate and update any dispute within thirty days after your receipt of this letter and supporting documentation.
Enclosed is a copy of my current photo ID and utility bill as proof of my identity and residency.
Sincerely yours,
Your Signature
Your Printed Name
Current Address
Former Address
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