I,m from Illinois and I filed a year ago. I have been trying to re-group and purchased a credit score program for a limited time for 49.95 from Stephen Snyder who has a bankruptcy seminar that travels to different states. Anyway, I was very pleased with the short time I had the service because I actually saw my credit scores go up after I went back and fourth with some creditors who had negative items on my reports. However, once the time period was over, I discovered that I now have to purchase the program again for a short time at 49.95. I gotta tell you, this can get real expensive real fast and after bankruptcy, the last thing I want to do is throw money out the window. Where are the legitimate log in, click on and get a credit report or score for free websites....help...help...help.