Future credit reports

September 14th, 2007 by Questions

We`ve recently had our bankruptcy discharged and I`m wondering what we should do in the next few years as far as obtaining copies of our credit reports. As a victim of identity theft in the past, I have requested a copy of my credit report from both Equifax and TransUnion every year, to ensure that there was nothing on it that shouldn`t be.

Seeing as our bankruptcy obviously means we will have a difficult time obtaining new credit accounts, is there any reason to continue getting an annual credit report over the next few years? I know there is no harm in getting one, but having already been a victim of identity theft, I am always hesitant to mail copies of my ID to anyone, which is something I have to do every year when I request my credit report (I know I can pay to get it online, but I`d rather save the money on that).


One Response to “Future credit reports”

, A licensed trustee said:

The fact that you may not be a heavy user of credit for the next few years as you re-establish yourself doesn’t really affect why you were checking your credit report annually before – you are checking to see what’s been placed there to verify its accuracy. If you aren’t using credit yourself then there shouldn’t be any new items posted…

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