{"id":1912,"date":"2010-06-27T03:32:08","date_gmt":"2010-06-27T03:32:08","guid":{"rendered":"http:\/\/www.covstravels.com\/?p=1912"},"modified":"2015-04-11T23:04:15","modified_gmt":"2015-04-11T23:04:15","slug":"credit-report-file-bankruptcy","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/credit-report-file-bankruptcy\/","title":{"rendered":"Should I Get a Credit Report Before I File Bankruptcy?"},"content":{"rendered":"
http:\/\/www.youtube.com\/watch?v=lMQM4pLuNac<\/div>\n

Although, it\u2019s important to keep statements that you receive in the mail regarding your debts, you should also consider obtaining a credit report.<\/p>\n

For many people, it is difficult to remember original creditors, collections agencies, amounts owed, and so on from years past.\u00a0 A credit report is a great way to visually see all of your debts listed out for you, especially if you did not keep statements.\u00a0 Our recommendation would be to look at your statements first, then back it up with a credit report.\u00a0 For many people, this will cover your bases in regards to who you owe, but remember this does not guarantee to be all of your creditors.\u00a0 This is why it\u2019s important to keep up with your statements and also view your free credit report yearly.\u00a0 By doing this, it allows you to see whom you owe, if it\u2019s accurate, and when and where the debt was incurred.<\/p>\n

You are entitled to a free credit report every 12 months from www.AnnualCreditReport.com<\/a>. It is one of the only legitimately free places to obtain a credit report. It will not, however, give you your actual credit score. Use this website, if you have not already done so in the past 12 months, to view your debts and names of your creditors.\u00a0 We recommend checking this annually so you can be sure the creditors on your report are accurate.\u00a0 When filing bankruptcy<\/a>, it is essential that all of your creditors are listed, so be sure to use both statements and a credit report to back up what you already know regarding your debt.<\/p>\n

It’s also a good idea to be sure you get your free credit report again a few months after you file bankruptcy. It will help you rebuild your credit after bankruptcy<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

We strongly recommend you obtain a credit report to supplement what you already know about your creditors. It is easy to forget about a creditor you owed several years ago that is no longer sending bills to you. And from time to time, a creditor will erroneously apply a charge to your credit that you did not incur. This may happen if the person that made the charge has a similar name or even similar social security number. We have also seen clients be the victim of identity theft. It is extremely important to list all your debts, excluding your ongoing utility bills, on your bankruptcy. Recent laws entitle you to a free credit report annually. This site is listed on the Internal Revenue Service website and will not charge you a fee unless you have received a credit report from this site in the past year.<\/p>\n","protected":false},"author":3,"featured_media":1913,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"video","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4171,4168],"tags":[],"class_list":["post-1912","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-bankruptcy-basics","category-credit-and-debt","post_format-post-format-video"],"yoast_head":"\nCredit Report Before Bankruptcy | Duncan Law<\/title>\n<meta name=\"description\" content=\"Should you get a credit report before filing bankruptcy? Yes \u2014 it helps ensure all creditors are listed. 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