Josh: Okay. How are my accounts reported after the bankruptcy?

Samira: That’s a good question, because they’re obligated, and when I say they, Capital One, Bank of America, the credit card industry and the furnishers are obligated to report it as a zero balance. They’re obligated to report it as included in bankruptcy. Many times that doesn’t happen. What happens is is then you have problems with your credit score. You need to just write a letter and show them the bankruptcy papers to the bureaus and they’ll clear it up.