and identify the type of product, such as credit account, judgment, etc.) This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why).
Three offices report are: Experian (formerly TRW), and Equifax and TransUnion.
Filing bankruptcy is probably the worst thing you could do in terms of your credit report.
You will know immediately if someone tries to use your name - or to get a new credit or get a job or rent a house - or even set up a cell phone service.
You ran your credit report today and found both your credit score and rating are now much higher.
There are many companies on the internet that offer to do it for you (for a fee), or you can go on your own.