Credit Reports

It is essential to list every creditor by name and mailing address in your petition. You can also obtain a copy of your credit report by contacting one of the three major credit bureaus. They will charge you around $8.50 per report; the report is free if you have been denied credit in the previous 60 days or if you have been the victim of credit fraud.

To order a credit report by mail, provide your full name, including middle initial and Jr., Sr., or any other designation you have used; current address and previous addresses for the last five years; Social Security number; date of birth; spouses’ first name; home phone number, name of current employer and signature. Here is the contact information for each of the three major credit bureaus:


P.O. Box 105496
Atlanta, GA 30348-5496
1-800-997-2493, or


Consumer Disclosure Center
P.O. Box 1000
C hester, PA 19022
1 -800-888-4213


Experian, P.O Box 2002
Allen, TX 75013.