How Do I Get a Copy of My Credit Report? The Federal Trade Commission’s Recommendation

22 Nov How Do I Get a Copy of My Credit Report? The Federal Trade Commission’s Recommendation

Many persons will order their credit report before filing for bankruptcy, to ensure that all their creditors are listed properly. Ordering a credit report reduces the chance of leaving collection accounts off the bankruptcy papers, or even forgetting about a creditor altogether. However, you might wonder just where to go to obtain your credit report.

The best idea is to follow the advice of the Federal Trade Commission, and obtain your credit report from, the official website established for this purpose. The FTC explains on its website,, that consumers are entitled to one free credit report per year from each of the three credit reporting agencies: Experian, TransUnion, and Equifax. The FTC recommends that you contact these three credit reporting agencies by accessing the website directly, to avoid being misdirected by your web browser to an “imposter” credit report website. An imposter website will attempt to charge a fee (or worse, a recurring fee) for providing a credit report. To avoid landing on an imposter website, manually type into your web browser, which will take you to the authorized free credit report website.

To view the FTC’s consumer information page, “Your Rights: Credit Reporting,” click here: This page contains information on both obtaining your credit report and improving your credit score.

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Craig Andresen is a Minnesota bankruptcy attorney who represents both consumers and small business owners in chapter 7 and chapter 13 cases. With thirty years experience, Mr. Andresen is a frequent speaker on the topics of stopping mortgage foreclosures, and stripping off second mortgages in chapter 13. His office is located in Bloomington just across the street from the Mall of America. Call his office at (952) 831-1995 for a free consultation about protecting your rights using bankruptcy.
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