Real talk… is your BK actually reporting right? 🤔

I was looking through some files today and it reminded me of something that honestly drives me crazy.

A lot of people think that once you discharge a bankruptcy, you just have to sit in "credit jail" for years and wait it out.

But here is the truth: The credit bureaus are notorious for being lazy with post-bankruptcy reporting.

If you’ve gone through a BK, go look at your report right now and check for these two things:

• Zombie Balances: Are accounts that were included in your bankruptcy still showing a balance? If it was discharged, that balance must be $0.

• Status Errors: Is it reporting as "Charged off" or "Late" instead of "Included in Bankruptcy"?

Here’s why this matters ⬇️

If you get denied for a credit card, a personal loan, or a car loan because of these specific reporting errors, you aren’t just "unlucky." You actually have a massive amount of leverage.

In fact, if they refuse to fix these errors after a dispute, you can actually sue the bureaus. ⚖️

Most people don't realize they're sitting on a potential payday (or at least a massive credit score jump) just because the bureaus can't keep their paperwork straight.

I want to see if I can help some of you catch this.

If you have a bankruptcy on your profile and you think something isn't reporting accurately or if you've been denied recently even though you’ve discharged everything, send me a private message.

Let's look at it together and see if we can get that fixed (or get you paid). 📥

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