Q: Can creditor put debt cleared in bankruptcy back on my credit report I charged off a few days ago and debt still shows
My ch7 filed in june 2017 recent charge off sept. 25th 2017 all debts are gone except landlord who was included in the bankruptcy. Suppose to move today but new landlord sees this on report. Will it hurt me to explain i recently filed bankruptcy & the debt shouldn't be on there? Do I notify bankruptcy court i.e. the trustee? What can i do so can move without the bad report on my credit? I live in atlanta not Lawrenceville. Thanks
A:
I'm sorry you are having this problem.
You keep using the word "charge off" but I think you mean "discharge."
Assuming I'm right, dispute the derogatory item on your credit report, by submitting it to the credit bureau. Tell them the debt was discharged in bankruptcy. They will probably update your report to show the landlord has been discharged. However, the landlord debt might still appear with the notation that it was discharged.
At the same time you can explain to your new landlord that the old debt is gone. However, landlords get very edgy about renting to someone who has ever stiffed a fellow landlord, because they are afraid you will do the same thing again. Sometimes offering an extra security deposit is what it takes to close the deal. Good luck.
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