You may hear about why it is important to review your credit report annually
to make sure information is current and being reported properly to the
credit bureaus. But anyone considering
bankruptcy should also review their credit report before filing bankruptcy to make
sure they include all of their creditors in their documentation and schedules.
You are required to list your creditors as part of the filing process,
and it can be easy to overlook one, especially if you have not received
a recent collection notice from them.

Debtors who want to start the filing process may do a practical task: gather
their bills and get them in order to present to their attorney. But, there
are reasons to consider reviewing your credit report upon filing. There
are debtors known to have limited information about who they owe, especially
when they have a bankruptcy consultation. It is at this point you realize
you need to be sure of who you owe.

There are debtors who may worry about certain creditors and may overlook
or forget another one. Others may not know just how much they owe. A review
of your credit report can help clarify confusion and answer questions
regarding who is owed. Consumers can obtain one free copy of their report
annually as a requirement by the Federal Fair Credit Reporting Act.

Experian, TransUnion, and Equifax are the three agencies that create your
credit report. Such agencies make it easier for debtors to request a copy
online through their secured website. If you file and realized you have
forgotten a debt you can mention it to your attorney. It may still be
eligible to be discharged depending on qualifications.

Contact our office today

Allmand Law Firm, PLLC is available to help people throughout the Dallas
/ Fort Worth area who are struggling with insurmountable debt. Our experienced
bankruptcy attorneys can help you explore your debt relief options and
take the steps needed to obtain a positive resolution. Request a
FREE financial empowerment session today.