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    Credit Reporting Agency

    Which one is the best to get your latest report from? Experian, Equifax, or Transunion? I only want to pay for one.
    Filed Chapter 7 Pro-Se May 29, 2008
    341 July 1, 2008
    Discharged September 4, 2008
    Closed November 10, 2008 :-)

    #2
    Experian
    12/31/08: Filed for ch 13. (FICO: 605 as of 1/5/09, 648 as of July 2010). 02/11/09: 341 mtg. Plan confirmed for $200 per month for 36 months... (20 down 16 left)

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      #3
      if you haven't used your free annual credit report then go to that site...

      I think it is www.freeannualcreidt.com

      or you can goggle it... But you get a free credit report from each agency once a year.

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        #4
        thanks petey. I did use the free one but a few months ago. Even though I haven't opened up any new accounts, I wanted to double check on the eve of filing - for more accurate info.
        Filed Chapter 7 Pro-Se May 29, 2008
        341 July 1, 2008
        Discharged September 4, 2008
        Closed November 10, 2008 :-)

        Comment


          #5
          there is no "better" report, really. They all hold different items...
          Chapter 7 Pro Se....Discharged Feb. 2006

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            #6
            The correct website is www.annualcreditreport.com .It's kind of like a portal that brings you to the websites of each of the three bureaus to get your free annual report.

            Anyhow, I WOULD suggest getting all three if you want accurate info. Many of the smaller companies only report to one, and you never know which one.
            04/03/2008- Filed for BK CH7-Middle District of FL
            04/04/2008- Found out I have the more "laid back" trustee- the other one is a real bear, I hear. Yay!
            05/06/2008- 341 meeting held

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