credit report

Finding Your Creditors Prior to Filing Bankruptcy

February 5, 2010

Debtors across both Oregon and Washington often wonder how they will possibly discover all their creditors prior to filing bankruptcy. Luckily, Under the Fair and Accurate Credit Transactions Act,  you are entitled to a free copy of your credit report each year. While it is possible to access your credit report online, many  credit reporting [...]

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Bankruptcy and Your Credit Report

December 21, 2008

 The Bankruptcy Court has no jurisdiction over credit reporting agencies. The bankruptcy petition, schedules and plan are public documents and are available to the general public at the Clerk’s Office. Credit reporting agencies regularly collect information from the petitions filed and report the information on their credit reporting services. Under the provisions of the Fair [...]

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Court Ruling Requires Credit Bureaus To Wipe Away Bills Incurred Before Bankruptcy

October 5, 2008

In the following new article in the Wall Street Journal, Jane J. Kim describes the recent court ruling in California requiring  credit bureaus to remove debts incurred before the filing of a chapter 7 bankruptcy. Up to the present time, debtors have had to rely on creditors to remove the debts after a bankruptcy filing. Hopefully, Bankruptcy Courts [...]

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Your Credit Rights

July 26, 2008

The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get, use and maintain credit. Much of the text below was taken from an article published on their web site. A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, [...]

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