If you have more problems with your accounts, your credit score is probably very low and is likely to cause high for you financially interest rates.

Alternatively, if you have been denied credit in the past 30 days, you can ask the credit bureau for a free report that will ding your credit.
With the help of these reports, you can familiarize yourself with your current financial situation without wasting much of your time, the whole process can be treated avail online.
From there, there are many strategies to reduce the debt, you can enact before touching Chapter 13 fatal button, if you have to file for bankruptcy so make sure you know the best way to go about it.
The credit report issued by different offices will be almost the same, but the parameters for evaluating your financial situation will be different.

Fix your credit report! Do not be caught off guard like many other people who take the "ostrich" approach and bury their heads in the sand.