I had a Bankruptcy over 10 years ago. I recently bought a car and the Bankruptcy is still appearing on my credit report. I was still able to buy the car by showing my Bankruptcy discharge papers.

The car dealership told me to write to the 3 major credit companies and ask to have this removed from my credit report. Any one out there ever done this?

I would like to subscribe to a good credit monitoring service with access to all three major reports and all three scores but I don’t know which one to subscribe to. Most of the ones I looked at not specifically state that you get unlimited access to scores, only the reports. Any suggestions, or experiences with them?

I think each of the three credit reporting agencies offer some type of credit monitor service. Are they worth the money?

Does being enrolled in a Credit Monitoring service get you more easily approved for credit cards?

I am offered this service for free for one year through my job, and i would like to know if being enrolled in a Credit Monitoring service which includes total protection from identity theft, can improve your chances when applying for credit cards and loans.

Or is it simply just good for protecting you from fraudelent charges?