Credit Reports

There are as many credit reports as there are credit reporting agencies. Specifically, there are 3 main credit reporting agencies. Those are TransUnion, Equifax and Experian. In my experience, the TransUnion credit report is vastly superior for bankruptcy purposes as compared to Experian or Equifax. TransUnion reports do not block out account numbers as do Experian and Equifax.

Experian and Equifax block out account numbers in order to provide a measure of security in delivering the credit report to the client. For most purposes, this is fine but in bankruptcy law, we use the full account numbers in order to achieve a discharge of your debts. Clients can save themselves substantial work by obtaining a TransUnion credit report with complete account numbers when turning their information in to Morse Law.

If clients prefer Morse Law to pull their credit report, we can do so for about $40.00. Alternatively, most of our clients prefer to use the free route. Go to This website will link you to a program sponsored by the Fair Trade Commission or the FTC. This program allows you to, once every year, pull a credit report from TransUnion, Equifax and Experian for free.

Even after your bankruptcy it is a good idea to keep this website handy so that you can monitor your credit report and make sure that those items you have discharged have been removed from your credit report. Once people have their credit report, many are baffled by the prospect of trying to figure out how to read the thing. Credit reports use numerous acronyms and your debts may have been bought or sold numerous times since the last time you were actively tracking them. As such, many people have a difficult time making heads or tails of their credit report.

Having reviewed thousand of credit reports the attorneys and staff at Morse Law should be able to help you weed through some of the inconsistencies and peculiarities of your credit report.

If you would like assistance and sitting down looking through your credit report to determine where you are at with your debt load, I encourage you to call Morse Law at (303) 300-6684 in order to schedule an initial free consultation.


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Contact Information

Denver Office:
Morse Law, LLC

  • 910 16th Street Mall Ste 1100
    Denver, CO 80202
  • 303-300-6684
  • 720-941-2755

Colorado Springs Office:
Morse Law, LLC

  • 121 S Tejon St Ste 1107
    Colorado Springs, CO 80903
  • 719-302-3655
  • 720-941-2755

Ft. Collins (Area) Office:
Morse Law, LLC

  • 1635 Foxtrail Dr
    Loveland, CO 80538
  • 970-672-1263
  • 720-941-2755