As part of filing your Chapter 7 bankruptcy or Chapter 13 bankruptcy, you should obtain a truly free credit report and bring it to your bankruptcy lawyer.
The only website that provides truly free credit reports is www.annualcreditreport.com. This site is sponsored by the Federal Trade Commission and is very reliable.
Other websites that advertise free credit reports might be deceiving you, in the hopes of selling you some sort of credit monitoring service.
The Annual Credit Report website allows you to request one truly free credit report per year from each of the 3 credit bureaus, so you can get three reports per year.
We recommend that you request and print one of these reports and provide it to your lawyer along with the rest of your documentation for your case.
This report is a useful, but often incomplete, source of information about your creditors.
Why would your credit report be incomplete?
Your credit report is likely to be incomplete because :
- Credit reports do not include all of your creditors.
Many hospitals, medical companies and small businesses do not report debts to the credit bureaus, so the report won’t show these debts.
They might not be listed, and so can’t be discharged in your case. unless you have a bill to show the debt.
So the best strategy is to bring the report along with all of your bills so that your Minnesota bankruptcy lawyer can list all of your creditors and prepare the most accurate bankruptcy petition possible.
WHAT TO DO NEXT
If you’re thinking of filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy in Minnesota, then why not not speak to us now at 612.824.4357?
We’ll give you all the help and advice you need.
Alternatively, fill out our free Bankruptcy Evaluation Form to see if filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy in Minnesota is right for you.
We’re looking forward to helping you become debt free in Minnesota.
