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Why Getting Your Credit Report Is Important

Your credit report shows your recent credit history, including where you live, whether you pay your bills on time, and whether you’ve ever filed for bankruptcy. It can have an enormous impact on your life: creditors, insurers, landlords, and employers will all look at your credit history to determine whether or not you can get a loan, rent an apartment, or even get a job.

Clearly, it’s critical that your credit report have the right information. If your credit report has incorrect information—say, that you have unpaid bills when you don’t or that you filed for bankruptcy one year ago when you filed five years ago—it could have significant effects.

If you’ve filed for bankruptcy, it is even more important that you check your credit report. Bankruptcy negatively affects your credit rating, and you’ll have to build up your credit. You’ll want to make sure that there’s nothing inaccurate on your credit report that is damaging your credit score even further.

So how do you get your credit report?

Under the Fair Credit Reporting Act (FCRA), the three nationwide credit reporting companies—Equifax, Experian, and TransUnion—are required to give consumers a free copy of their credit report once a year.

You can get your free report by going to http://www.annualcreditreport.com/, calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Don’t contact the nationwide credit reporting companies directly: they only provide a free credit report via the above website, phone number, and mailing address.

Why Getting Your Credit Report Is ImportantThe Federal Trade Commission warns against fake websites that claim to fill orders for your free credit report. Some companies will have you sign up for a service that is supposedly free, but they will then start charging your credit card after the trial period is over. Others try to collect your personal financial information. Many of these companies include “free report” in their name or have URLs that misspell “annualcreditreport.com” in hope that you will mistype the name of the real site.

Keeping up to date with your credit report is just one of the steps you should take to rebuild your credit after bankruptcy.

If you’re struggling with debt and considering bankruptcy as a way out, call the experienced Tacoma, WA lawyers at the Law Offices of Jason S. Newcombe today.

Client Reviews
Great service and follow up. Its a scary thing when you need a lawyer but Jason and his team make it less so. Very happy with our outcome. Scott Thibeault
"I can't say enough great things about Jason Newcombe Law Office. I am retired military and I highly recommend Jason Newcombe Law Office. I reached out to Jason's office after sitting for hours reviewing multiple Domestic Violence Law Offices in King County. He responded before that day was over. I spoke with Jason's both in-person and by phone; felt very comfortable with his years of experience and straight talk. He took on my case, took me through the process with sound advice. The Attorney Erin Lane who accompanied me with my court appearances; can't praise and thank her enough for her time, selflessness and educational information prior to each court appearance. She made a really daunting task for me less fearful, given such grim circumstances. I am forever grateful for Jason and the Team of Attorneys." Tommy Harville
"I cannot thank Mr. Newcombe and his staff enough. They are awesome. When I first contacted his offices, I didn't know what to do. I was overwhelmed and confused. He did an amazing job, I highly recommend him! I had two cases, and he got both of them dismissed. If you are in trouble, do yourself a favor, give him a call. " David
"I had Mr. Newcombe's firm handle my ticket and I greatly appreciate their assistance. It was handle easily and with good communication from the associates. If you need assistance with some legal matters then I would refer you to them. " Marvin
"Jason Newcombe and his Associate's are all top notch individuals who will fight tooth and nail for you and go the distance to ensure that you receive the best outcome possible on your case. I would not be where I am today if not for the Law offices of Jason Newcombe. " Eric Brandt