Since All this legal fiasco was going on I did not bother to check my credit reports in last few years. But now it has no outstanding balances. And I would like to know whether one can get the past years credit reports? Just wanted to see what was there. I believe the credit reports are also intentionally screwed by the banks, so that you suffer more. Any ideas on getting past years credit report or it is not possible? Just want to a snapshot/credit info of what it was before/previous years.