The following information is a general frequently asked questions page designed to answer most questions regarding credit reporting.  This information cannot be construed as legal advice.  Each case has different circumstances and there may be some information that is not applicable to you.



1.  How do I get a copy of my credit report?
     Once per year you are entitled to receive a free report from each of the three credit reporting agencies.  You can obtain these reports online at                                                                    .  That is the only site I am aware of where you can obtain a free report.  From my experience any place that advertises to provide you a report for "Free" is not really free.

2.  Does my credit report contain all of the debts I have ever incurred?
    No.  Your credit report contains debts to most of the larger companies, collection agencies, and court judgments but is hardly a comprehensive history of your financial transactions.


3.  Can I use my credit report to list my debts for bankruptcy?
   Yes, but you need to remember that in most cases the report is not comprehensive.  You should add to the report any debts you are aware of that are not listed.  Don't forget debts for school loans and loans from relatives and friends.  Generally listing too much is better than not enough.

4.  Will you get the report for me for free?
     No.  There is a charge if I obtain it for you.

5.  Will bankruptcy fix my credit?
     No, yes, maybe could all be correct answers.  The answer comes mostly from what the state of your credit is now.  If not too bad you will most likely take a score hit.  If dismal you might be able to improve in a short period of time.

6.  How long does my bankruptcy stay on my credit report?
     Your Chapter 7 bankruptcy can remain on your credit report for up to ten years.

7.  If I get a discharge in bankruptcy how does that affect the items on my credit report?
     Discharged debts cannot be reported as unpaid or past due.  Each discharged debt should be reported as having a zero balance and that it was discharged.

8.  Do all of my debts show as discharged?
    No.  Debts incurred after your bankruptcy filing can still be reported.

9.  I filed for bankruptcy and have waited about 60 days since discharge but some of my debts still show on my credit report.  How do I fix this?
    Your creditor most likely did not update its reporting.  There is a dispute procedure provided by each credit reporting agency.  Using this procedure should clear up any inaccurate items on the report.
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