The ability to correct the wrongs is perhaps the best opportunity that anyone can ask for as it leads to serenity in the conscience, satisfaction and peace at heart for innumerable people. Having said this, not everyone who has another chance is lucky enough to utilize it in the correct manner. Many simply let the opportunity slip. This fits best the ones who file for bankruptcy as they have done so hoping to be able to avail another shot, but they might blow such an opportunity if they do not focus on certain important aspects. One of the major challenges that these people encounter after the episode of bankruptcy is cleaning up their credit reports. Taking up the challenge and beating it after having filed in for bankruptcy would inevitable impact positively on the report of your credits.
The obvious thing is that the challenge is regarding communication. The credit bureaus actually receive the details of your responses regarding your debts and bills from the creditors and this is the actual information that is presented in the credit report that you have. Now if your thinking leads you to point out a person at these bureaus who has an animosity with you then might as well redo the thinking for there are no prejudice or partially in these matters. The bureaus actually represent the information provided to them by the creditors.
Being humans, the people handling the credit reports are as prone to making mistakes while preparing it as any other person put in their place. However unfortunately you suffer tremendously with the after effect of any such inaccurate information or misrepresentation of the same adversely affects your credit report. Therefore it is quite evident that the initial challenge that you have to take up would be rectifying your credit report after bankruptcy more so if your report reveals any inaccuracy. One must go through their bureaus to check their credit report even if they do not find any irregularities on the face of it so as to reconfirm whether the information passed on is correct cent per cent. Although this seems quite a simple task but it is not and you might have to use certain good methods to get the job done and verify the information for its correctness. Internet does make your job easier. If you can search for your report and scrutinize it carefully it would help you in find the irregularities.One more such tough task that you may face while correcting your report is putting up and following the disputes. This task is considered tough because it is time consuming and tests a person’s patience a lot. Any signs of frustrations and you may never get the result that you desire. But of course you can easily avoid this ordeal. By implementing certain tried and tested procedures you may find your answer in no time at all.
What you need to do is to put together three things and make copies of it namely your driving license, a social security card that you have and the Schedule F from the time of bankruptcy. Now you need to send these copies to the bureaus, also bear in mind that any written communication regarding your disputes should be as registered mails. It is the word of the law that the concerned creditor is required to either respond within a period of a month or withdraws or clears the disputed items from the report completely. This process would definitely help put your credit report after bankruptcy on the right track.
