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Credit Rating and Reports

The Bankruptcy Court has no jurisdiction over credit reporting agencies. You must resolve any dispute you have with a credit agency or your credit report directly with that agency.

The Bankruptcy Court does not report or provide information to any consumer reporting agencies. Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. § 107; Fed. R. Bankr. P. 5003, 9037. The Bankruptcy Court is not responsible for verifying or validating information in consumers' credit reports and cannot remove information from credit reports.

Credit reporting agencies regularly collect information from the petitions filed and report the information on their credit reporting services. The length of time the information remains on your credit report is governed by the Fair Credit Reporting Act and not by federal bankruptcy law.

The Bankruptcy Court Clerk's Office will not respond to written inquiries pertaining to credit ratings and will not docket them on the public record.

To view bankruptcy case records:

  • Review the Case Information page on the Court's website regarding public access and requests for copies and other case information.

  • Visit the Bankruptcy Court Clerk's Office at one of the following locations:

Augusta: Federal Justice Center, Plaza Building 600 James Brown Blvd. Augusta, GA 30901

Brunswick: 801 Gloucester Street, Third Floor, Brunswick, GA 31520

Savannah: 124 Barnard Street, Second Floor, Savannah, GA 31401

The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) provide information to the public on their websites about disputing information on credit reports. The FTC's toll-free number is 877-FTC-HELP (382-4357) and the CFPB's toll-free number is 855-411-2372.