Discharge Review Center™

Save a copy of your discharge paperwork

Your discharge order is an official court document. Save copies digitally (cloud storage or encrypted drive) and physically. You may need it for future lenders, employers, or to dispute errors.

Review all three credit reports for accuracy

Pull your Experian, Equifax, and TransUnion reports and check them carefully. Discharged debts should be reflected accurately within 30–60 days of discharge.

Verify discharged debts are marked correctly

Each discharged account should show a zero balance and a status of 'discharged in bankruptcy' or similar. Accounts still showing balances may need to be disputed.

Note any accounts that appear incorrect

Write down any accounts that don't look right. You have the right to dispute inaccurate information directly with each credit bureau. Keep records of your disputes.

Complete your debtor education course (if not done)

Debtor education is required after filing but before discharge is finalized. If you haven't completed it yet, do so promptly to avoid delays to your case closure.

Close or update any affected accounts

Review any accounts tied to your bankruptcy. You may want to close accounts with high fees, update automatic payment information, or notify account holders of your status.