Every debtor is entitled to a free credit report once per year from the three main reporting agencies. These reports give very basic information. They are not guaranteed and they do not give a credit score. On the other-hand, a three in one credit report IS guaranteed. Sure there is a cost for this but wouldn't a debtor rather pay for accuracy and reliability? The three in one report is $38 but it gives each debtor their personal credit score at the time the report is generated. It also gives an anticipated credit score after bankruptcy. At Seymour and Associates, P.C., we like giving a client black and white proof of how we can help them improve their score. What better way than having a before and after? Schedule your free consultation today and let us help you get back on the road to financial freedom.