Yopur Bankruptcy Attorneys Will Need A Credit Report, Free Credit Report.

(619) 447-6780

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Living Trust Attorney, El Cajon California.

Credit Report Will Be Needed by Bankruptcy Attorneys, Get Free Credit Report.

No matter which law firm or attorney you go to, the law office should asked for your credit report before filing your bankruptcy. You should be required to get a current credit report. It is always better to provide one from all three agencies just to make sure all debts are listed. For many who are certain they know who their creditors are, a single credit report will suffice.

A credit report allows verification of the debtors you have listed in the questionnaire and to discover any unknown ones. This is for your protection. It also shows if your debt has been assigned to a third party so that they are also notified of your bankruptcy.

Remember if a debt is not listed on your bankruptcy petition, even if it is debt that can be discharged in bankruptcy, it will not be discharged if it is not properly listed. Plus, if a creditor is added after you filed, it will cost you additional fees to add these creditors, much more than the minimal fees for a credit report.

There are even web sites that offer a free credit report once a year. A link is provided for you. Please do NOT use a credit card to get the credit report. Either have someone else use their card or use your bank debit card from your account. Many people also sign up to monitor their credit scores after bankruptcy. It is not a bad idea to do so but it is not required.

Make sure you cancel the paid service within the time period indicated if you do not their service and just want a free credit report if you are entitled to one.

We have no connection with the company listed below. This is a banner link for your reference only. We do not endorse them over anyone else. It is provided for your convenience. We have had clients who have used their service and were happy with the results. Since my office does not receive any fees, this link is provided to you based on the recommendation of others.

If you are one of our clients and have any problem with using their services, please let us know (619) 447-6780.

What is the Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

If you have use or had taken action to get a credit report in the last 12 months you will have to pay for this service. What is included on a credit report?

Details about you such as your financial information and background are contained in your personal Credit Report. This report is sometimes called a credit file or a credit history. The Credit Report makes it easy for you to understand the information that a lender, financial institution, potential employers, landlord, etc., would be seeing if they review your credit history. Typical consumer Credit Reports include four types of information such as:

Personal information can include your name, current and previous addresses, telephone number, reported variations of your Social Security number, date of birth and current and previous employers.
Public record information in some states may also include overdue child support. Bankruptcy information can remain on your Credit Report up to 10 years; unpaid tax liens can remain for up to 15 years; other public record information can remain up to seven years. (So not paying taxes will have a big inpact on your credit scores.)
Credit information includes specific information from each of your creditors such as the date the account opened, credit limit or loan amount, balance and monthly payment and payment pattern. The report also states whether anyone besides you (a joint account holder or cosigner, for example) is responsible for paying the account. Any active positive credit information may remain on your report indefinitely, while most negative information remains up to seven years
The report also lists requests by others who have viewed your credit history and who has received information from your Credit Report and who was given your name as allowed by law. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about your credit information without your prior consent. This section includes the date of the inquiry and how long the inquiry will remain on your report.

All credit report may not show who ordered it. If it is a company the information about those companies, individuals and institutions who inquired about your credit history and Credit Score for the purpose of extending a pre-approved credit offer are included in your report. These inquiries are not revealed to creditors and do not impact your ability to obtain credit.

Your Credit Report does not contain data about race, religious preference, medical history, personal lifestyle, political preference, friends, criminal record or any other information unrelated to credit. (however let say you have unpaid medical bills, that may be an indicated you are having a health problem or if you failed to pay a fine for a criminal matter that may show up on your credit report.)

Credit Report Will Be Needed by Bankruptcy Attorneys, Get Free Credit Report.

National Credit Report Credit Score Online. Get it for $0. Includes one Credit Report. See them Instantly!

Disclaimer & Limit of Liability

In no event will Attorney David A. Casey, the law office of David A. Casey or it’s employees be liable to any party for any direct, indirect, special or other consequential damages for any use of or reliance upon the information found at this web site, or on any other linked web site, even if my law office expressly advised of the possibility of such damages. Attorney Casey is NOT providing the consumer with the information. But the company listed above.

I tried to purchase a Credit Report for someone other than myself and failed the authentication process?

When you placed your order, you agreed to the following:

Under FCRA laws, any person who knowingly and willfully obtains a Credit Report under false pretenses (for example getting a Credit Report on an individual without their permission), shall be fined under title 18, United States Code, imprisoned not more than 2 years, or both." This is why YOU must get your own credit report. We can NOT get if for you!

Again if you are filing Bankruptcy my office will need you to get a credit report from some source.