After going through bankruptcy, individuals may be concerned about how it has affected their credit score. Checking one’s credit score is an important step towards rebuilding their financial health. Here are some ways they can check their credit score after bankruptcy:
1. Obtain a Free Credit Report
Individuals are entitled to a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year. They can request these reports online at AnnualCreditReport.com.
2. Use Credit Monitoring Services
Signing up for credit monitoring services can provide individuals with regular updates on their credit score and any changes to their credit report. There are many reputable credit monitoring services available for a fee.
3. Check with Your Bank or Credit Card Issuer
Some banks and credit card issuers offer free credit score monitoring to their customers. Individuals can inquire with their financial institutions to see if this service is available to them.
4. Utilize Credit Score Websites
There are several websites, such as Credit Karma and Credit Sesame, that offer free credit score monitoring services. These websites can provide individuals with insights into their credit score and factors affecting it.
5. Consult with a Financial Advisor
For personalized advice on rebuilding their credit after bankruptcy, individuals may consider consulting with a financial advisor. A financial advisor can help them understand their credit score and develop a plan to improve it.