Did you know that every consumer is entitled to a free copy of his or her credit report once per year from each of the 3 major credit reporting agencies? Use the link above to go to the official Fair Credit Reporting Act website and get your free credit report. If you are unable to access your reports online, or you would prefer to order your free reports by phone, call 1-877-322-8228.
If there are errors on your credit report after you’ve filed bankruptcy, or you won’t be filing bankruptcy and just want to make corrections to inaccurate information on your credit report, you’ll need to file a dispute with each credit reporting agency that has reported incorrect information. The Federal Trade Commission has published a helpful guide for consumers to make corrections in their credit reports.
This FTC guide is filled with helpful information about reading and correcting your credit report, as well as practical hints to improve your credit rating and make responsible credit decisions.
Wondering where to find an agency to complete your pre- or post-bankruptcy counseling requirement? Here’s your answer! This is the official Department of Justice site that lists every approved agency in Oregon. Most agencies will fax and/or email a copy of your certificate to your attorney so that it can be filed in your case.
If you’re a client of Armstrong Bankruptcy Law Offices and you’re looking for a counseling agency that offers in-person classes, Spanish language services, TTL or other features, contact us. We’re happy to help!