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CreditRefresh Pro for bankruptcy law firms

Find credit report errors after a discharge and take them from demand letter to lawsuit.

CreditRefresh Pro checks your client's Equifax, Experian and TransUnion reports against their bankruptcy documents and lists every account still reported incorrectly. Pro drafts the demand letters, and if an account is still reported incorrectly after that, Pro gives you a full lawsuit packet ready to file.

  1. 01Spot the errors
  2. 02Send demand letters
  3. 03File the lawsuit
Get startedSee pricing

CreditRefresh approves each new firm before its first client invite goes out.

A sample bankruptcy review in CreditRefresh Pro

How it works

One workspace takes a case from the first credit report to the courthouse.

Every case moves through the same three stages. Pro does the reading, matching and drafting, and your attorneys make the decisions at each one.

  1. 01Spot the errors
  2. 02Send demand letters
  3. 03File the lawsuit

01Spot the errors

Find every account still reported incorrectly after the discharge

Invite your client from your workspace. They sign the authorization in their own CreditRefresh account, and their reports from all three bureaus come in. Upload the petition, the schedules, the statement of intention and the discharge order, and Pro compares every account on the reports with the schedules and the discharge date.

  • A strong finding shows what each bureau still reports, such as a balance, an amount past due or a late mark.
  • An account with an open question is marked for further review, and the question is spelled out for your attorney.
  • Student loans, support, taxes and reaffirmed debts are excluded, and each one says why.
  • If the bankruptcy documents aren't in yet, the review can start from the credit reports alone.

What your firm downloads

  • Case summary.docx

02Send demand letters

Send a demand letter to every bureau and creditor reporting an account incorrectly

Pro drafts a letter for each bureau and each creditor still reporting an account incorrectly, with your firm's details, your attorney's signature block and your client's signed authorization to enclose. Your attorney decides whether each letter asks for a correction or a deletion, then signs it and sends it.

  • Every letter downloads as a Word file, so your attorney can change anything before it goes out.
  • Anything that needs an attorney's judgment is left as a highlighted blank to fill in.
  • The mailing list has the right address for every letter.
  • Your firm records the date each letter went out and checks the account again on the next credit report.

What your firm downloads

  • Demand letter to Equifax.docx
  • Demand letter to Harbor Point Bank.docx
  • Client authorization.docx
  • Mailing addresses.docx

03File the lawsuit

Get a full lawsuit packet, ready to file

When a bureau or creditor keeps reporting an account incorrectly after your letter, Pro builds the lawsuit packet for the court you pick. The statement of facts lays out the case in numbered paragraphs, every fact points to a lettered exhibit, and the exhibits come formatted for filing.

  • The filing bundle has every exhibit as its own PDF, sized and named for the court's CM/ECF system, with filing instructions and the exhibit descriptions to paste in.
  • The exhibit packet puts all of the exhibits in one PDF, in the order the documents cite them.
  • The exhibit list names each exhibit by letter, from the petition and schedules to every credit report pulled.
  • A check before filing flags any page that still shows a full account number, so you can redact it.

What your firm downloads

  • Statement of facts.docx
  • Exhibit list.docx
  • Exhibit packet.pdf
  • Filing bundle.zip

Coming nextPro will draft the complaint for your attorney to edit and sign, and your attorney will be able to file it in federal court without leaving the workspace.

Your firm stays in charge

Your attorneys make every decision.

  • Nothing goes out on its own

    CreditRefresh never sends a letter or files anything without your firm. Your attorneys choose which findings to act on and sign everything that leaves the office.

  • Every document is a draft

    Pro writes the first draft. Your attorneys check it, fill in the highlighted blanks and make it their own.

  • Your client controls access

    Your client allows the review from their own CreditRefresh account and can end your firm's access at any time.

Pay for the clients you review

Plans are based on how many clients your firm reviews. Each client includes a first report from all three bureaus, the review and the drafts.

See pricing

Questions

Questions from law firms

Which bankruptcy documents does Pro read?

The voluntary petition, Schedule D, Schedule E/F, the statement of intention, the discharge order and any reaffirmation agreement, uploaded as PDF, PNG or JPEG files. None of them is required, and the review can run on the credit reports alone.

How do we get our client's credit reports?

You invite your client from your workspace. They accept in their own CreditRefresh account, sign the authorization and allow the review. Their Equifax, Experian and TransUnion reports come in through that account.

What do Strong, Needs further review and Excluded mean?

Strong means the documents and the report together show a discharged account that still reports a balance, an amount past due or a late mark. Needs further review means something looks wrong but there's an open question for your attorney, such as a debt that isn't on the schedules. Excluded covers debts a discharge may not reach, such as student loans, support and taxes, and debts your client reaffirmed.

Does CreditRefresh contact the bureaus or the creditors?

No. Your attorneys decide which findings to act on, and your firm sends every letter and files every case itself.

What's in the lawsuit packet?

The statement of facts in numbered paragraphs, the exhibit list, the exhibit packet as one PDF, and the filing bundle. The filing bundle has every exhibit as its own PDF formatted for CM/ECF in the court you pick, with filing instructions and the exhibit descriptions to paste in. Your attorney checks and signs everything before it's filed.

Can we change a draft before it goes out?

Yes. Every letter and court document downloads as a Word file, so your attorney can edit it like any other document. The exhibit packet is a PDF.

Set up your firm's workspace

Create your account and verify your email. Once CreditRefresh approves your workspace, you can invite your first client.

Get started

Already have a workspace? Sign in