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Experian Continues to Report Judgment Included in Bankruptcy

Written by Steve Rhode


Dear Steve,

I filed Bankruptcy Chapter 13 in 2011 and completed in 2014. Since that time, I have tried to clean up my credit reports. With most of the issues I have had success. There is however one Reporting agency (Experian) That did nothing with my dispute about a Judgment that was included in the Bankruptcy. Most recently they agreed to mark it as Satisfied in Bankruptcy, but the report also says Pending with a dollar amount.

Should the legal Judgment reflect as “included in bankruptcy,” show no balance due, and not show any more current reporting after the date of your final discharge?



Dear Joe,

According to Experian, “Therefore, the account will be updated in your credit report to show it was discharged in bankruptcy and will no longer show a balance owed. However, this does not mean the debt will no longer appear in your history.”

If you are not making any progress after sending in copies of your discharge papers showing the judgment was included, hire an attorney.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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