Specialized Credit Repair Dispute Letters for Bankruptcy

Advertising Disclosure

Anyone who is considering bankruptcy should know it is nothing to be entered into lightly and should always be considered as a last resort. And for those who have gone through bankruptcy, you know you will need to work hard to repair your credit once the bankruptcy is discharged.

IMPORTANT:

  1. When sending letters to credit reporting agencies, always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2, or a recent utility bill. Only 2 forms of ID are required. As long as you have your name at the close of the letter, there is no requirement that you sign it.
  2. You are NOT required to send proof of identity to creditors and collectors and we do not recommend signing the dispute letter.
  3. Do not copy these letters without making significant modifications. You will need to tailor the wording of each letter to fit your individual situation. These sample letters are meant to give you ideas on how to structure your own credit dispute letters.

1. Notice of Intent to File Bankruptcy

A notice of intent to file bankruptcy, also known as a statement of intent, is a required part of a Chapter 7 bankruptcy. The statement of intent informs the creditors included in the bankruptcy that you are filing a Chapter 7 bankruptcy.

Date

Your Full Name
Address
City, State, ZIP

Account Number: xxxxxxxxx

Creditor
Address
City, State, ZIP

To Whom It May Concern:

Please cease and desist all collection activities you have begun or are considering against me. I plan to file a petition in bankruptcy court in the coming months.

Sincerely,
Your Name

2. Account Included In Bankruptcy

If an account was part of the bankruptcy approval process and was discharged, it should not continue to show up on your credit report with a balance due. It should also be labeled with something to the effect of “Discharged in Bankruptcy”. Use this letter when that is not the case.

Date

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I am writing this letter to let you know that the following accounts were included with my bankruptcy reported on (INSERT DATE), but are not reflected as such on my credit report:

LIST ALL ACCOUNTS HERE

I am enclosing a copy of my bankruptcy discharge papers as proof of the date of my discharge. Please update these accounts to reflect that they are included with the bankruptcy.

Sincerely,
Your Name

3. LexisNexis Credit Freeze Request

If you plan to dispute a bankruptcy on your credit report, the first step is to place a security freeze on personal information about you from the credit reporting agency (CRA) known as LexisNexis. They are the largest provider of court data to credit bureaus and it is within our legal right to sever that data feed. It makes it more difficult for credit bureaus to verify the accuracy of the information about a particular bankruptcy. You can go online and start the process there, or use this letter.

Date

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

LexisNexis Consumer Center
P.O. Box 105108
Atlanta, GA, 30348

To Whom It May Concern:

I am writing to request that LexisNexis place a security freeze on my credit file. As you are aware, applying a security freeze prohibits LexisNexis Risk Solutions and SageStream from releasing my LexisNexis Consumer Disclosure Report, my SageStream Consumer Report, or my credit score without my express authorization.

Enclosed are copies of the following documents that verify my identity:

  1. Photo ID
  2. Social Security Card

Please send me written confirmation of the security freeze to the address listed above.

Sincerely,
Your Name

4. Court Information Release Policy

After you have submitted your request for a LexisNexis security freeze, you need to contact the court where your bankruptcy was filed and ask them to confirm their records release policy. The vast majority of courts do not release court documents except to a handful of third parties. Generally, credit bureaus do not have direct access to court documents. This letter will be used in the disputes shown below.

Date

Your Full Name
Address
City, State, ZIP

Court Name
Address
City, State, ZIP

Dear Clerk:

My name is (full_name) and I am writing to you because an entry is appearing on my credit report which states that I filed bankruptcy in your court. 

Could you please explain to me how this might occur? From my understanding, only the last four digits of a debtor’s social security number are released to third parties, under the Federal Rules of Bankruptcy Procedure.

Finally, does this court release information about debtor bankruptcies to third parties such as LexisNexis, TransUnion, Experian, or Equifax? 

Any information you can provide me would be appreciated.

Sincerely,
Your Name

5. Bankruptcy Dispute Letter to Credit Bureaus, round 1

This verification dispute letter targets the credit bureau and the fragile system they use to verify public records such as bankruptcy. With the information pipeline between LexisNexis and the credit bureaus severed (see letter immediately above), you have made it more difficult for the credit bureau to legitimately verify the bankruptcy information. Send this letter AFTER the LexisNexis Credit Freeze Request has been confirmed and AFTER you have received a response to the Court Information Release Policy.

Date

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately.

CHAPTER 7 BANKRUPTCY, Docket #xxxxxxx (this information should come directly from your credit report)

Please respond to me in writing and include the “method of verification” under FCRA 611 (a)(7). This should include the following:

  1. The name of the courthouse with which you verified the information
  2. The name of the person at the courthouse who handled your request
  3. The address of the courthouse
  4. Which document you obtained to verify the bankruptcy

Sincerely,
Your Name

6. Bankruptcy Dispute Letter to Credit Bureaus, round 2

Send this letter to the credit bureau after they have “verified” the information in your previous letter.

Date

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court.

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtor’s full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference.

It is quite clear that someone from (bureau_name) lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act (FCRA).

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report:

CHAPTER 7 BANKRUPTCY, Docket #xxxxxxx (this information should come directly from your credit report)

Please respond to me in writing once this removal has been completed.

Sincerely,
Your Name

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