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DischargeCheck

Your bankruptcy wiped out those debts. Does your credit report know that?

After a discharge, the debts the court wiped out should show a zero balance and say they were part of your bankruptcy. Often they still show money owed, new late payments or a charge-off. That can stand between you and a car loan, an apartment or a mortgage.

DischargeCheck reads your court case and your credit report side by side, and shows you every account that is reported wrong.

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$99.99, one payment. Not a subscription. You pay $99.99 when you start.

Sample account, made up

Example Auto Finance, ending 0000

Court records

Listed in your case
Yes
Discharged
March 2025
Owed after discharge
$0

Credit report

Status
Charged off
Balance
$8,412
Says bankruptcy
No

Error. This debt was wiped out, but the report still shows money owed.

How it works

Three steps, and you have your answer

  1. 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.

  2. 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.

  3. 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.

Sample result

What your results look like

Every company, account number and amount below is made up.

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.

Placeholder Collections Co.

Account ending 2222

Possible error
  • Equifax
  • TransUnion
What is wrong
A collector reports $640 owed on what looks like a debt from your case, under a different name.
What it should show
A $0 balance, if it is the same debt your bankruptcy covered.

Demo Credit Union

Account ending 3333

Looks right
  • Equifax
  • Experian
  • TransUnion
What we saw
Shows a $0 balance and says the debt was discharged in bankruptcy.

What we check

For every account on your report

  • 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 this is not

So you know exactly what you are paying for

  • 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.

Questions

Common questions

Who is this for?
Anyone who finished a Chapter 7 or Chapter 13 bankruptcy and got a discharge. If your attorney or the company that handled your trustee payments sent you here, you are in the right place.
What do I get?
A list of the accounts on your credit report, each marked Error, Possible error, Looks right or Not checked. For each one we say what is wrong and what it should show.
Is this a subscription?
No. It is $99.99, one payment, for one check.
When is my card charged?
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.
Do you fix my credit report?
No. We show you what is reported wrong. You can send a dispute to each credit bureau yourself, or take the list to your bankruptcy attorney.
What do you need from me?
Your legal name, date of birth, home address and Social Security number. We use them to find your court case and pull the right credit report. Then you answer a few security questions so we know it is you.

See all questions

The court gave you a fresh start. Check that your credit report shows it.

$99.99, one payment. You pay when you start.

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