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» Ask A Question » Your Rights » Asset Protection » About Business Cases » Preferences » Are You A Creditor? » Divorce, Matrimonial & Family Law » Fraud » Elder Law » Visit our Spanish version! |
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You can rebuild your credit
immediately upon filing your bankruptcy case. It will take time but you
will be successful. First, set up a budget with your post-bankruptcy credit counseling. We can also help you with this. Second, pay your bills as agreed and on time. Start with your mortgage, car payments and rent. Third, get a debit card, not a credit card. Later, get a credit card with a small $500 limit. Pay it on time, in full, every month. Use it only as a matter of convenience and never for the purpose of extensions of long term credit. In time, order a new credit report. Make sure that it is accurate in all respects. Still later, apply for a loan for a long term debt, such as a car, a house, or maybe an appliance or computer. Pay it on time, in full, as agreed. When you are ready, see us and we will direct you to ethical mortgage brokers who will help you finance your house and to ethical bankers who will assist you with automobile, student or other loans that you might need. |
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