If you are contemplating bankruptcy or have recently filed bankruptcy it probably is quite a relief to not have your creditors hounding you on a regular basis. It's important that you start a new chapter in your life and get your financial house in order. One of the first things you should do after declaring bankruptcy is to check your credit report.
Receive copies of your credit report from all 3 major credit reporting agencies, TransUnion, Equifax and Experian and you can order them free at least once a year. After you receive the reports, take the time to go over each of them and make sure that all of your old debt you had prior to filing for bankruptcy has been removed. It is very common that people will find debts that should have been discharged during bankruptcy, but may still be listed on your credit report.
If you find old debts on your credit reports, you will need to write a letter to the credit reporting agencies to get them to remove the erroneous charges. If you've written a letter and haven't heard back, don't be afraid to call and make sure that they received your information.
Bankruptcy in itself will lower your credit score (also known as your FICO score) depending on your past credit history and the severity of your bankruptcy. So it is important that you take the time to remove the incorrect charges on your credit report and you can quickly be on the way to improve your score. Follow these steps, control your spending and you could be back on your way to getting a credit score in the 600 and 700's.