Credit Reports for CH13

[zeezee]

I was just wondering if I had to provide reports for all three bureaus or just one? (I'm gathering my paperwork to file soon).

Thanks!

[justbroke]

Your lawyer will usually pull one from Experian or Equifax. Those 2 seem to have the majority of creditor. If you think some are missing, let your lawyer know.

If you want to pull the report yourself and supply it to your attorney, that's okay. This should save the attorney from pulling it (if your attorney pulls them). Pulling them in advance also fives you a good idea of just what is out there anyhow. Sometimes there are collections and other activity there that you could miss otherwise.

[zeezee]

Yeah, he did ask if I wanted to pull it or let him. I opted to get it myself but there was no specification of whether he needed one or all three. He gave me a list of stuff to get and on the list it just days "credit report", not plural. I guess I will have to call and ask tomorrow to be sure.

[justbroke]

Pull as many as you think will get you all of your creditor addresses (and creditors). The balance need not be 100% accurate, but what the last known balance was.

I pulled only one report to complete my list of creditors.