Many clients have questions about improving their credit post-bankruptcy. A successful bankruptcy eliminates or discharges a debtor’s legal obligation to repay a debt. However, it does not place an affirmative duty on a debtor’s creditors to remove any pre-bankruptcy non-payment history on credit reports. In other words, a bankruptcy may clean up legal obligations, but it does not affect credit reports unless the creditor voluntarily corrects its reporting. Experian, Transunion, and Equifax are the national credit reporting agencies. If it is found that any of the debt a debtor believes was discharged in bankruptcy is being reported incorrectly, the debtor should institute an online dispute to correct the reporting. All three credit agencies have instructions on their respective sites for disputing a report, together with phone numbers, and a lot of educational information about credit. The website address for each credit agency is below.