The following
list contains links to legal and other resources that may be useful in your
quest to understand your rights and obtain help with your legal situation.CREDIT REPORTING
AGENCIES / CREDIT BUREAUS
Credit reporting agencies or
credit bureaus, collect information about the financial affairs of consumers and
provide it to their commercial members, such as lenders, employers and insurance
companies, for a fee.
In the US, there are
three main credit bureaus: Equifax, Experian and TransUnion. Since most
creditors belong to all three agencies, the chances are good that whatever shows
up on one credit report will also appear on the others. Therefore, you usually
only need to check one bureau's records. Prior to filing a bankruptcy, it
is advised that you obtain a report in order to be certain that you do not omit
any creditors.
If you find problems,
or if potential creditors discover them, you can take steps to rebuild damaged
credit and clean up that record. If you've made mistakes in paying previous
loans, bounced checks, made late payments or had other problems, you may still
be able to reduce the amount of damage they will do to your credit with
explanations or some basic repair.
CLICK ON THESE LINKS
to request a copy from one of the three major credit bureaus:
EQUIFAX,
EXPERIAN and
TRANSUNION which allow you to obtain a free credit report from
each of the major agencies once per year. If you applied for a loan and were turned down, you
are entitled to a free copy of your credit report, but you must request a copy
by writing the correct credit bureau within 30 days of the rejection. You
should include a
copy of the declined loan application with your request.
LEGAL DIRECTORIES AND RESOURCES
-
Bankruptcy
Court - District of Colorado
-
FindLaw
- Directory of Attorneys and Legal Information
-
Credit
Counseling Agencies approved by US Trustee for mandatory
counseling
