This article was co-authored by Clinton M. Sandvick, JD, PhD. Clinton M. Sandvick worked as a civil litigator in California for over 7 years. He received his JD from the University of Wisconsin-Madison in 1998 and his PhD in American History from the University of Oregon in 2013.
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Your credit report will contain information about your credit history, including how many times you have been late with payments and whether or not you have an account in collections. It also should list whether you have declared bankruptcy in the past. If your credit report erroneously has a bankruptcy listed, then you can dispute it by writing a letter or by reporting the error online. Remember, however, that the bankruptcy must appear in error—you can't challenge correct information on your credit report.