- 1). Confirm that the federal bankruptcy court has granted a discharge of your debts after the completion of your bankruptcy. The Untied States Courts website reports that bankruptcy courts automatically mail a copy of the order of discharge to the debtor, all of the debtor's creditors, and to the debtor's attorney. Use the order of discharge as an official confirmation that you are no longer responsible for debts included in the bankruptcy.
- 2). Obtain free copies of your credit report from Annual Credit Report (annualcreditreport.com). The website offers free reports under the terms of the Fair Credit Reporting Act. Reports are available from the three major credit bureaus: TransUnion, Equifax and Experian. Read the reports to confirm that all debts included in your bankruptcy are listed as "included in bankruptcy." MSN Money reports that bankruptcy information is often incorrectly posted on credit reports, causing some debts to show as open and past due.
- 3). Write letters to the credit bureaus at their addresses listed on the respective credit reports if you find inaccuracies. Or visit their websites to enter disputes. Tell the credit bureaus about debts that were discharged in your bankruptcy. Tell the bureaus to list the debts as "included in bankruptcy." Include a copy of your official order of discharge from the bankruptcy court if you are writing a letter. Give the credit bureaus 30 days to respond by letter or email (if you are disputing online) with an update.
- 4). Send a copy of the order of discharge to any former creditor or debt collector who attempts to collect from you on old debts included in your bankruptcy.
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