December 11, 2019

Free Credit Reports – Yes, They Really Exist!

You can obtain free credit reports once a year from

This website is a portal for the three major credit bureaus (Equifax, Experian, & Trans Union) in order to be compliant with the Fair and Accurate Credit Transactions Act (FACTA), which allows consumers to receive up to three free credit reports each year.

There are many imposters out there, but is the one, true free credit report site.

Obtaining credit reports is an integral part of preparing a bankruptcy petition.

Pursuant to 11 U.S. Code ยง 528: "I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code."

CAUTION: This website is to provide visitors with basic information about my law office, and information about how to contact me. Every situation is different, and no information on this website is legal advice on any specific question. You should not act on any of the information without first conferring with an attorney licensed in your jurisdiction. No attorney-client relationship or privilege is formed by visiting this site or by unsolicited email. Therefore, initial emails should not contain any confidential information. I may already represent parties adverse to you and cannot advise or represent you until we check for conflicts. I am licensed only in Oregon and offer my services only to those doing business in Oregon, unless I am associated with local counsel in accordance with other states' laws. The applicable laws may have changed after the information on this website was published. While effort is made to keep the information current, you should not presume that all information is up to date. You must confer with an attorney to be sure you have current information.