Once per year consumers are entitled to receive a free copy of each of the three major credit reports. Experian, Equifax and TransUnion. To receive your report go to AnnualCreditReport.com; find the U.S. Mail request, print, complete and mail. DO NOT sign up for the online version as when you click the ubiquitous "I Agree" button, contained in that small print is a waiver of your right to a jury trial and an agreement to submit to binding arbitration. If a cause of action arises from your credit reports, you do not want it decided by arbitration.
If you have already received your discharge, sign up at FreshStartServices.com and the form to receive your Free Report is loaded in the Documents section.
The report sent via U.S. Mail is more complete and should be filed away with other annual documents. We suggest designating a time of year, tax time, daylight savings time, New Years day, something like that to pull the report the same time each year.
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