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John T. Turco & Associates PC, LLO
Home » Bankruptcy Law » Credit Reporting Practices

Credit Reporting Practices

Your credit report plays an important role in your ability to get credit and, sometimes even more importantly, the interest rates you are offered. High-interest rates can make it hard to build or rebuild your credit, so an accurate credit report is very important.

Table of Contents
  • Examining Your Report During Bankruptcy
  • Explaining Your Rights to Dispute Reported Debts
  • Schedule a Consultation

At John T. Turco & Associates in Omaha, our experienced bankruptcy lawyers often come across credit reporting concerns. We can explain credit reporting practice and we can explain all of your options.

Examining Your Report During Bankruptcy

If you choose to file for bankruptcy, our firm will pull your credit report as part of our comprehensive research into your financial situation. We will be happy to show your report to you so you can know who is claiming you owe them money, and so you can explain to us any unexpected items on the report.

If there are debts on your credit report that you do not believe you owe, we will include them in your bankruptcy filing so they can get discharged and removed from your report if eligible.

After your bankruptcy case is completed, it is always a good idea to pull your credit reports again in order to make sure all the discharged debts have been removed. If you apply for credit again in the future, having your discharged debts cleared from your credit report should partially compensate for the fact that your bankruptcy will appear on the report.

Explaining Your Rights to Dispute Reported Debts

Credit reporting agencies and creditors have an obligation to tell the truth. If there is inaccurate information on your credit report, you have a right to get it removed. The Fair Credit Reporting Act (FCRA) is the federal law that governs this process.

If you decide not to file for bankruptcy, we will help you understand your options for disputing items on your credit report so that you can make sure the only debts that are being reported are the ones that you actually owe.

Schedule a Consultation

Contact us to speak to one of our experienced bankruptcy lawyers or to arrange a free initial consultation. If you cannot come to our Omaha offices, we can consult with you by telephone.

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This site is not intended to constitute legal advice, nor does it create an attorney-client relationship. The materials on this site are not guaranteed to be complete or current, and they should not be relied on as a substitute for legal advice. This site conveys general information related to bankruptcy law in Omaha, Papillion, Bellevue, Gretna, Council Bluffs and surrounding communities. If you are contemplating or involved in any matter in which legal advice or other expert assistance is required, the services of a competent professional should be sought. The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa. Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice does not mean that a lawyer is a specialist or expert in a field of law, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer. All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa.

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(402) 933-8600
  • Free Bankruptcy Consultation
  • Home
  • About
    • Meet Our Bankruptcy Lawyers
    • Client Reviews
  • Bankruptcy & Debt Relief
    • Chapter 7 Bankruptcy
    • Chapter 11 Bankruptcy
    • Chapter 13 Bankruptcy
    • Small Business Bankruptcy
    • Bankruptcy and Divorce
    • Car Loans and Repossessions,
    • Credit Card Debt and Personal Loans
    • Foreclosure Assistance
    • Gambling Debt
    • Lawsuits and Garnishments
    • Liability Claims and Lawsuits
    • Medical Bankruptcies
    • Student Loan Debt Relief
    • Unemployment and Disability
    • Unpaid Taxes
  • Bankruptcy 101
    • Understanding Bankruptcy
    • What Type of Bankruptcy Do I Qualify For?
    • How to File for Bankruptcy
    • Life After Bankruptcy
    • Debt Collection Practices
    • Credit Reporting Practices
  • Client Resources
  • Blog
  • Contact
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