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Kansas City Area Bankruptcy Firm
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Credit Reporting Issues After Bankruptcy

Kansas City Bankruptcy Lawyers

Credit reporting is governed through the Fair Credit Reporting Act (FCRA), not the bankruptcy code. The Bankruptcy Code only addresses whether a debt is owed, not how it is reported to the credit bureaus.

Because credit reporting is handled under the FCRA, we cannot address this issue in bankruptcy court. However, we have an arrangement with another firm that handles credit reporting issues in federal district court. If your bankruptcy is being misstated on your credit report, they will help you make sure it gets corrected or they will sue. They also use a no cash up front model and only charge you if they sue and win. If this is the case, they would receive a portion of your lawsuit proceeds, so you do not need any money to get this resolved.

If you want to explore this further you may contact the following attorney who handles FCRA issues; Michael Rapp at Stecklein & Rapp.

Stecklein & Rapp, Chartered

Phone: 913-371-0727 Ext 103 Email:

Address: 748 Ann Ave, KCKS 66101 or 1503 Westport Rd., KCMO 64111

The best way to get your credit score up faster is to get an after filing trade line, like a secured credit card. Shortly after the filing of your bankruptcy is an optimal time to start rebuilding your credit. To do this, you must create a new line of credit that is managed well and paid promptly. This will be the only account that will affect your score in the time immediately preceding your bankruptcy filing. We advise our clients to obtain a secured credit card shortly after they file their case. There are many lenders that offer this service.

A secured credit card uses money you place in a savings account as collateral for your credit card. Your credit line is based on your income, ability to pay, and the amount of your cash collateral deposit. For example, if you put $1,000 into a savings account, your available credit line will usually be $1,000. The best way to increase your credit score is to charge no more than 20% of your credit limit (in this example, $200) every month and PAY IT OFF IN FULL AT THE END OF EACH MONTH. Do not carry a balance and do not charge more than 10-20% of the limit each month. A good idea is to use it like a gas card or to charge one of your utilities each month, but be sure to pay off the card balance every month on time. On average, we have seen clients who have used the secured card in this fashion restore their credit within 18 months to 3 years. Usually, they find their score will land between 650 and 700 within that time frame. Good credit does not happen overnight. This process takes time and discipline. However, if you follow these steps you will see your score improve. Additionally, please be sure not to do any of the following, as all of these things will damage your credit as you are attempting to rebuild it:

  • DO NOT apply for multiple lines of credit during this time
  • DO NOT habitually check your credit more than once per year
  • Above all, DO NOT take out other loans and fall behind

Finally, it is always a good idea to run a free annual credit report with one of the three credit reporting agencies, Equifax, Experian, or TransUnion. Visit for more information.

Rave Reviews from
Happy clients

  • Hill and his staff made me feel extremely comfortable.

    “Hill and his staff made me feel extremely comfortable answering any questions that I had. They kept me updated through the process and assisted with figuring out which chapter would be best. I never thought that filing would be so easy and fast. Thanks so much.”

    Ms. C.

  • I’m very grateful.

    “I just wanted to say thank you so very much for the letter that you drafted for me to help assure people that my Chapter 13 will not hurt them. I am convinced that without that letter I would not have been able to rent the apartment from the complex that I wanted to rent from. I just wanted to take a minute and tell you how much I appreciate all of your help and I’m very grateful that you took the time to create that letter for me. I hope that you have a very Happy Holiday season.”

    Ms. M

  • I'm so, so grateful!

    “Dear Ms. Skinner, I can't thank you enough for all that you, Mr. Moore, Amanda, and all of the staff have done on my behalf. I will most definitely refer you to others. I wish Moore and Associates all the very best in the future. Well done! I'm so, so grateful! :)”

    Ms. R.

  • Moore and Associates made us feel comfortable.

    “Moore and Associates made us feel comfortable during this very difficult time for our family. They were definitely professional as well as personable and kind. I will recommend Hill and his staff to family and friends if they too are faced with a situation such as ours.”

    Mrs. R.

  • You all have been beyond awesome!

    “Hill, you all have been beyond awesome…and really have gone out of the way to make this a painless experience”

    Ms. D