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 companies require you to give up many of your rights prior to giving you access to your credit report through their websites. Even after they give you access to your report, you have to make your way through a maze of offers to purchase services that you do not necessarily need. This being the case, the reality is that the best way to get your report is to request it by mail.
You can request your free annual credit report by writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can download the request form at the annualcreditreport.com website. Remember that in both Oregon and Washington, getting your credit report is really just a starting point. Odds are you have creditors that will not show up on your report. Once you get a credit report review it thoroughly before relying on it as a definitive list of your creditors.Beaeverton, troutdale, gresham, bankruptcy, longview, hillsboro, chapter 7, lake oswego, tualatin, chapter 13