Lyons Bankruptcy Attorney Recommends Checking Your Credit

Lyons bankruptcy attorney believes that the best website to pull your credit reports for free is www.annualcreditreport.com.  Once a year, you can pull all three of your bureaus under federal law.  What I recommend is that you pull one credit bureau every four months.  That way, you can stay current and always have a current view of your credit situation.  Some people like to pull all three credit reports at once, but then they have to wait a full calendar year before they can pull their credit again for free.  If you see information on that credit bureau that was included in your bankruptcy, then you want to either contact your bankruptcy attorney or you can start a dispute online with the credit bureau itself.   

Most creditors do not want to violate the discharge injunction, and they do not want to collect or report bad debts if that debt has been eliminated in a bankruptcy.  Thus, if you take a proactive approach to your credit after you file for bankruptcy, you are going to have a greater likelihood of having your reports cleaned up and your scores will improve.   

You also want to be good with your credit after you file the bankruptcy.  If you are someone who fell behind due to medical bills and utility bills before you filed the bankruptcy, then by all means, don’t be late with any of these types of items after you file bankruptcy.  Your credit will improve within approximately six months to two years if you take the right steps to make sure that you are not incurring any negative credit on your credit bureau.