Legal Question in Bankruptcy in Ohio

The way Credit Bureaus report Bankrupcy

If bankruptcy is 'forgiveness' for debts and designed to give relief and a fresh start, why are Credit Bureaus permitted to give creditors the fact that you have a discharged bankruptcy and the date ...and a list of all the accounts,their amounts,the condition they were in at the time you filed that were included inthe bankruptcy? Isn't this improper. Shouldn't your credit report reflect only that you have a discharged bankruptcy and the date of discharge? Period!I recently had a apartment denied to me not because of the bankruptcy, that was all right until they had the opportunity to look at the bills I went bankrupt on. Is this proper?


Asked on 3/28/01, 11:36 am

1 Answer from Attorneys
Charles Dobra Charles Wm. Dobra, Ltd.

Re: The way Credit Bureaus report Bankrupcy

Reporting a bankruptcy and discharge of debts can be reported for 10 years after discharge. So, from the information that you provided, I can't really tell if there is a Fair Credit Reporting Act violation. The mere reporting of a BK on the credit report is not a violation of the Bankruptcy Code. If you think that the way the reporting of the bankruptcy violates the FCRA, I'd speak to a Consumer Rights lawyer. Contact your local bar association for a referral. GOOD LUCK!

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Answered on 6/01/01, 9:46 am


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