Credit reports and scores are used for the purpose of advising a lender of the risk factors in lending a person money or advancing credit. It is very important to maintain the accuracy of your credit reports. Most commonly credit reports are incorrect after a bankruptcy filing.
Our office recommends that you check your reports at least once a year, if not twice a year. So long as you are not requesting your credit “score,” you can view the report to check for any errors once in a twelve month period from Transunion, Experian and Equifax. Free credit reports from all three credit reporting agencies can be obtained at: www.annualcreditreport.com.