Get Out of Debt Guy

How Long After My Bankruptcy Do I Need to Wait to Get Credit Reports?

Posted June 21, 2013

WRAL Reader Question

Dear Steve,

My husband and just went to court to meet with the trustee yesterday. They said in 60 days from today that it will be discharged.

Do I need to wait until that time is up or get my credit reports now before the 60 day period is up?


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Dear Geneva,

Just to clarify for other readers, I suspect what you are talking about is you recently filed a chapter 7 bankruptcy and just had the meeting with the bankruptcy trustee who indicated your debt will be fully discharged in about 60 days.

What you are inquiring about is the relatively easy process of rebuilding your credit after bankruptcy which I describe here.

You could get your credit reports now if you wanted to make sure all the included debts in your bankruptcy were reported correctly but it is still early in the process. It typically takes creditors 30-60 days to update records. I'd wait till after your discharge and have that in hand as proof they were included and discharged. Once that occurs, then you can immediately jump on rebuilding better credit than before.

But don't forget to start rebuilding your emergency savings account and get back to saving for retirement. You can and should start that process today.


Steve Rhode
WRAL Get Out of Debt Guy

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About this Blog:

Steve Rhode has had careers in opthalmology, real estate and as the head of a nonprofit debt counseling firm. On his blog, he offers hard-won, free advice about getting out of debt, consolidation and making the right choices as you manage your money.