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Post Bankruptcy: Credit Repair

How can I improve my credit after bankruptcy?

Declaring bankruptcy will have a negative effect on your credit score, but you should not let this prevent you from taking action to handle your debts. As long as you have a high debt to income ratio and are sometimes missing payments, your credit will suffer, as well as the fact that if you default on a loan or if your home mortgage goes into foreclosure you will see your credit score drop sharply. Bankruptcy will put an end to this threat, and as soon as you are free of the pressure and worry of debt, you can focus on actions that will improve your credit and put you in a stronger position financially.

One of the first things you should do after you discharge your debt is to obtain a copy of your credit report from each o f the three major credit bureaus, Equifax, Experian and TransUnion. If you find anything on the report that is not true, you can contact the credit bureau and request that they remove the item. If they can't verify it, they are required by the Fair Credit Reporting Act (FCRA) to comply with your request. This alone could significantly improve your credit score and allow you to get lower interest rates on loans.

Building for a Brighter Future

After you have cleared your credit report of false information, you can proactively work on restoring your credit by exercising careful spending and saving habits. When you no longer have a large portion of your monthly income absorbed by loan payments, you will be more capable of living within your means. You will probably receive numerous offers to apply for a credit card, and as long as you pay the balance every month, this can be a good way for you to rebuild your credit. An attorney from Price Law Group can consult with you about your unique situation to help you build a future of financial security.

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