How it works

After your bankruptcy discharge, the debts the court wiped out should show $0 owed and say they were part of your bankruptcy. We check whether they do.

The three steps

Step 1: Tell us who you are and confirm it is you
Your name, date of birth, address and Social Security number, so we find the right records. Then a few security questions that only you should know.
Step 2: We pull your court case and your credit report
We find your bankruptcy case in the court records and read the papers that list your debts and your discharge. We pull one credit report with all three bureaus on it.
Step 3: You see every account that is reported wrong
We compare each account on your report with your case. You get a list of what is wrong, what it shows now and what it should show.

How you pay

The check is $99.99, one payment. It is not a subscription.

You pay $99.99 when you start, before we pull your credit report and court records. If you have a question about your payment, you can write to us at support@dischargecheck.com.

What we look at, account by account

The balance: A debt wiped out in your bankruptcy should show $0 owed.
The status: It should say the debt was included in your bankruptcy. Not just charged off, past due or in collections with money owed.
Late payments after you filed: Payments that came due after your filing date should not be marked late on a discharged debt.
Debts sold to a collector: If a discharged debt was sold, the collector's account should show $0 owed too.
Whether the account was in your case: We match each account to the creditors listed in your court papers, so you know which ones the discharge covers.

What your results say

Every account gets one of four labels.

Error: The report says something the court records show is not true. For example, money owed on a debt that was wiped out.
Possible error: Something looks off, but the records alone do not let us say for sure. Look at these closely.
Looks right: The account matches what your court records say.
Not checked: We could not match the account to your case, or could not read it clearly. We say why.

Here are two made-up examples.

Example Auto Finance

Account ending 0000

Error

Equifax
Experian
TransUnion

What is wrong: Shows a balance of $8,412 and the status charged off.
What it should show: A $0 balance and that the debt was included in your bankruptcy.

Sample Store Card

Account ending 1111

Error

Experian

What is wrong: Shows three late payments in the months after your filing date.
What it should show: No late payments after the date you filed.

What this is not

We do not send letters or dispute anything for you. You get the list. What you do with it is up to you.
DischargeCheck is not a law firm, and this is not legal advice.
We do not change anything on your credit report. We only read it.
It is one check, not a subscription. We do not watch your report over time.

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