No debts from before you filed bankruptcy should say currently past due or delinquent. All of your debts from before bankruptcy should say “included in bankruptcy” or something similar.
Creditors cannot pull your credit report for no reason after learning you filed bankruptcy. Check your credit report for inquiries after bankruptcy. Your bankruptcy will stay on your credit report for up to ten years. Most debts should drop off your credit report about seven years after your first missed payment.
View more sample letters:
Learn how to stop calls after bankruptcy.
The credit reporting agencies addresses are below:
PO Box 740241
Atlanta, GA 30374
PO Box 2002
701 Experian Pkwy
Allen, TX 75013
PO Box 1000
Chester, PA 19022