Your credit rating is a record of all of your past credit performances. A creditor may obtain your credit report and will review it and determine by his/her own standards whether to grant you credit. Credit problems are indicated by suits, collections, attachments, insufficient checks and bankruptcy filings. We find that, after many years and thousands of Chapter 13 cases that pay all creditors in full, many knowledgeable creditors respect debtors who have paid their debts in full under a Chapter 13 plan. Naturally, any credit record that has been damaged must be rebuilt gradually. A Chapter 13 can be a good place to get that start.

It is a good idea to review your credit report during and after the completion of your Chapter 13 case. You can obtain a copy of your credit report free once per year at You should contact the company providing the report if, after reviewing it, you feel errors exist on the report. The major national agencies that provide credit reporting, are:

Experian National Consumer Assistance Center
P.O. Box 2104
Allen, TX 75013-2104

Trans Union LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Equifax Information Service Center
P.O. Box 740241
Atlanta, GA 30374-0241

The Fair Credit Reporting Act provides that anyone denied credit based on information contained in a credit report must be notified. The company that denied you credit must tell you which agency provided your credit report and how you can get a copy, free of charge, if you request a copy within a reasonable time after you receive the letter denying you credit.

Neither the Trustee's Office nor the United States Bankruptcy Court are involved with the credit reporting process.

This web site is for informational purposes only. The Office of the Chapter 13 Trustee does not render legal advice. If you have a legal question concerning a Chapter 13 bankruptcy, please contact your attorney.