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Hello All! I'm new here, but have gained a lot of knowledge from lurking on threads. I am awaiting discharge from a chapter 7 BK, and I am now trying to start the clean up process before applying for new credit. While awaiting discharge, I plan to pull the 3 bureaus reports with AnnualCreditReport.com and go through the reports for any inacurracies. (I had to submit a maual request, for some reason I couldn't verify my info online). After discharge probably a month later, I want to pull again to see if accounts are updated with $0 bal/IIB. And I would possibly pull a 3rd time, just to be sure everything is on the up and up. My question is since I've already used my freebie with ACR.com, how can I cheaply or freely access my credit reports a 2nd and 3rd time post discharge? Your replies are greatly appreciated!
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BK filed in GA Northern District
Case Filed: 9/30/14
341 Hearing: 11/04/14
Objection Date: 1/5/15
Currently awaiting Discharge!
Credit karma is actually great for monitoring. TU & EQ with weekly updates. Their scoring leaves something to be desired, but for monitoring, they are great. Also sent you a pm...
Thanks I kind of feel like an idiot since I had already been using credit karma, but good to know its updated weekly so that I can see if anything changes.
Quizzle also lets you see full eq report, but only updates every 6 months. sort of redundant with the new ck, but extra chance to view 2x a year. Ex is kind of a pain. Credit sesame gives you a score and updates of accounts but no full report view.
If you want to monitor your credt reports' contents on an ongoing basis, I recommend that you pull all three from the same sources each time. My recommendation is to stick with annualcredit.com as you will be able to compare each with the next.