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Request Credit Reports Directly From the Credit Bureaus
I recommend that anyone thinking about bankruptcy should obtain current copies of their credit reports from all 3 credit bureaus - Equifax, Experian and Trans Union. Federal law allows you to obtain copies of your credit reports at no charge every year.
If you leave a creditor off your bankruptcy, that debt may not be discharged. Further, credit reports will often give you the name of a collection agency or debt buyer - information that you want to include in your bankruptcy petition.
Usually you can get your credit reports online at AnnualCreditReport.com. However this online system requires you to answer a variety of questions to confirm your identity and sometimes the system will prompt you to request your credit reports by mail. Here are the forms you need to do this:
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