@Raleighied My personal observation is that the pricey online consolidated reports provide a great value if you want to make it as easy as possible to spot discrepancies and errors.

People can receive a free credit report from annualcreditreport.com but they may arrive at different times and will certainly be in different formats. The consumer then has to compare report to report to see which bureau is listing what and what does not match up.

On a consolidated report they generally list each line item and then what each bureau says under that line item. They are also color coded to spot differences in a flash.

After having worked with thousands and thousands of people I just find that when using the different reports people easily miss errors they could have corrected to return their credit score to the best it can be. I guess it comes down to what is the price of missing something that could have been easier to spot?

What is the benefit of getting the consolidated credit report for $40 when I can use annualcreditreport.com to get a free report from each bureau separately?

@srhodes4 Nice name by the way. If you are asking about government grants to deal with debt issues, the truth is they don't exist. There are infomercials that have proclaimed such statements but in the end the promoters of these grant claims get shutdown by the Federal Trade Commission. See http://getoutofdebt.org/29791/personal-government-grants-scheme-exposed

One such informercial that is still lingering on the air right now is the "Free Money" commercial. I did a review of that commercial here. http://getoutofdebt.org/27095/review-free-money-they-dont-want-you-to-know-about-by-kevin-trudeau

The mothership website for government grants is http://grants.gov and one thing you will notice right on their homepage is the statement "Grants.gov does not provide personal financial assistance."

I did make an assumption that your request was about grants to pay off debt. If it wasn't. Please post another comment with greater detail.

Steve WRAL Get Out of Debt Guy

Mr Rhode, How do you feel about Federal grants? I am interested in them but, don't know where to start

@robijjjjjj The reality is that getting credit after bankruptcy is stupid easy. These days people are getting new card offers on the day of their discharge. I know one person that received a Capital One Via and Discover Card within a month after bankruptcy.

The key here is you need to get back to building your credit score back up as quick as you can. I have a guide on how to do that at http://getoutofdebt.org/32410/how-to-easily-rebuild-your-credit-and-have-good-credit-again

Regarding get a mortgage, see http://getoutofdebt.org/37631/mortgage-after-bankruptcy and also http://getoutofdebt.org/38590/how-long-after-bankruptcy-can-i-buy-a-house

@Pseudonym I don't have a credit counseling service. In fact if you bothered to review the links given you would have seen I am critical about the success rates of credit counseling.

To the person who can't sleep because of their debt: get a second job. This guy is just peddling his credit counseling service. All that does is move debt around and MAY make it a little more manageable, but it doesn't solve the problem. Increase your inflow and decrease your outflow. Cut any services not absolutely needed for survival: cable, smartphones, Internet, etc. Write out your bills on paper and stick to them. Get a second job delivering pizzas, parking cars, cutting lawns, etc.

If you are currently in bankruptcy, can you please let me know if there is any hope for ever getting financed again for a loan or credit card. I know it will be another 3 years before I am finished but I just want tobe clear of all of this debt and start fresh.

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