How can debtors obtain a copy of their credit reports and correct any errors?
Whenever a debtor’s application for credit is denied, the credit issuer is required to give the debtor, on request, a copy of any credit report that was used in making the decision. Otherwise, debtors can obtain their credit reports from the major credit bureaus. These bureaus will either provide a copy of the report without charge or sell a copy for a small fee. If there are errors in a report, such as an incorrect Social Security Number or the listing of a debt that is not owed, the debtor should make a request for correction in writing to the bureau, enclosing copies of any documents that would establish the correct facts. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
