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Repairing Your Credit

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How to Repair Your Credit After Bankruptcy

Facing a diminished credit score in Fresno, CA?

If you have heard the myth that your credit will be destroyed for 10 years after filing for bankruptcy, please disregard it. This is simply not true. In fact, in many cases, your credit score will begin rebuilding immediately after you file because bankruptcy stops negative reporting to the credit reporting agencies. Bankruptcy can give you a fresh new start, and with some time and discipline, you can rebuild your credit.

We are concerned not only with your present financial situation, but with your future. With more than three decades of combined experience, our lawyers are well-versed in all aspects of bankruptcy, including the repair of your credit when your bankruptcy is complete. We offer caring support and knowledgeable legal guidance for clients who need representation and information on bankruptcy-related issues.

Our knowledgeable Fresno bankruptcy attorneys can help you choose the best debt-relief option for your situation, guide you through the process, and help you repair your credit. Our firm has thousands of satisfied clients, exceptional case results, and an excellent reputation in the community for the high quality bankruptcy legal services we provide. Let us help you achieve a brighter financial future.

Steps You Can Take to Repair a Damaged Credit Score

A growing number of consumers are filing for bankruptcy. Nowadays, lenders may pay greater attention to other factors on your credit report. The quantity of negative reporting matters, but it also matters when it was reported and how bad it is. A good approach to rebuilding your credit is to replace the most recent information on your credit report with positive credit activity that shows you are paying your bills.

You may receive credit card offers after bankruptcy that will probably carry higher interest rates. You may accept a card and use it, but you should pay it off monthly to help build a history of timely payments. Your score will improve quickly if you are careful about paying all of your bills on time.

Following are some actions you can take to help restore your credit after bankruptcy:

  • Examine your credit reports and correct any discrepancies
  • Set up a tight budget for yourself and follow it
  • Seek new credit in moderation
  • Set up your bills for automatic payment so you will never miss a payment
  • Pay your student loans on time if you have them
  • Get a secured or prepaid credit card if you cannot get an unsecured card
  • Do not max out credit cards

When your bankruptcy is complete, you will probably have a great sense of relief. After being hounded by creditors day and night, you can now relax and focus your attention on rebuilding your credit and a better financial future. Our firm is dedicated to helping our clients achieve their goals.

Contact our firm for outstanding representation in Fresno, CA.

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