Q: MUST I HAVE AN OFFICIAL DISCHARGE OF BANKRUPTCY TO CLEAR MY CREDIT?
A: The Discharge does what it says: it discharges your liability. Once it is granted, a copy goes to all parties included in the case. The filing of the Bky will appear on your credit report for 10 years. A "Certified Copy" of the Discharge maybe required for certain things, such as when you sell your home, but it can be picked up at anytime, directly from the Clerk, without any notice.
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