How to check your Equifax and TransUnion credit reports?

Step 1: Obtaining your Equifax and TransUnion credit reports


Equifax:

Become a member for free by filling out this form.

 

TransUnion:  

Become a member for free by filling out this form.

Step 2: Verification of the accuracy of your information in your credit reports


Equifax:

  1. From your Equifax online account, in the “Public Records” section, please ensure that your bankruptcy record shows the status as “Discharged”.

    Equifax credit report

  2. Each of your debts from your creditors included in your insolvability should:
    1. Have the status “Included in Bankruptcy/Account Closed”.
    2. Have a balance of $0.
    3. Have an amount written off.

    Equifax debt included
     

TransUnion:

  1. From your TransUnion online account, in the “Date” section, please ensure that your bankruptcy record states “Rehabilitated on (date of your discharge)”.
  2. In the “Deposit Information” section, please ensure that your bankruptcy/proposal states “Satisfied”.
     
    TransUnion credit report

  3. Each of your debts from your creditors included in your insolvency should:
    1. Have a “Closure Date”.
    2. Have a balance of $0.
    3. Have the mention “Included in Bankruptcy/Proposal” in the “Legend” section.
       

    TransUnion debt included

Please note that if all the information is correctly indicated in your Equifax and TransUnion credit reports, no further action is required. However, if any errors are visible, follow the instructions mentioned in Step 3 of this document to correct the inaccurate information in your credit reports.

Step 3: Correction of inaccurate information in your credit reports

Under the law, credit bureaus are obligated to present accurate information. Therefore, if you notice an error, they must correct it if you provide them with the documents below, including the requested supporting evidence.
 

Equifax: 

Please duly fill out and print the credit report dispute form.

Please mail it along with 2 pieces of identification, your discharge certificate, and your complaint register to the address provided on the form. Alternatively, you can fill out a credit report dispute online, but you will need to combine all your documents into a single PDF. If needed, you can call them at 1-800-465-7166. You will receive a postal letter informing you of the update to your Equifax file.
 

TransUnion: 

Please duly fill out and print the investigation request form

Please mail it along with 2 pieces of identification, your discharge certificate, and your complaint register to the address provided on the form. If needed, you can call them at 1-800-663-9980. You will receive a postal letter informing you of the update to your TransUnion file.