Credit Repair Questions & Answers

Bankruptcy

I had a bankruptcy discharged a year ago and my reports are still a mess. What should I do?

Credit report repair is critical after a bankruptcy and can make a dramatic difference in the appearance of your reports as well as your credit scores. Discharged accounts should be updated to remove past due balances, collection statuses need to be deleted, and more. Read More »

Is credit repair an option to bankruptcy?

If your debt has mounted up and you cannot pay your bills you should consult a bankruptcy attorney. If you are in financial trouble you are not a candidate for credit repair. And if you are looking for an option to bankruptcy you might consider consumer credit counseling or debt consolidation. Read More »

When will my discharged bankruptcy fall off my credit report?

Your bankruptcy can continue to report in the public records section of your credit report of as long as 10 years, but there is more to the story. Let’s start with the law. The only reference to bankruptcy in the Fair Credit Reporting Act is as follows: Read More »

How bad of an impact will bankruptcy have on my credit?

A bankruptcy can cause significant credit damage. But, oddly enough, most of the damage that occurs after a bankruptcy is not due to the event itself, but rather the failure of the creditors to properly update accounts after the discharge. Read More »

Will my Chapter 13 bankruptcy be treated differently from a Chapter 7?

Yes. Your Chapter 13 bankruptcy will get preferential treatment by the credit bureaus. This does not means that you will not have to make a little credit repair effort to insure that they do what is expected! Read More »

My bankruptcy was just discharged. Is there any point to starting your program now?

You should start the program now. Credit report repair can make a remarkable difference after a bankruptcy. Past due balances can be removed and charge off and collection statuses eliminated. But unless you take action errors can linger for years. Read More »

My credit is a mess! Would I be better off with bankruptcy or trying to clean it up with credit repair?

If the "mess" on your credit report includes reporting errors credit repair may be the solution to your problem. If you sign up for our credit repair program we will review the content of your credit reports and, with feedback from you, identify all of the errors. These errors should be disputed. Read More »

My bankruptcy attorney sent my discharge documents to the credit bureaus but only a few of the accounts were fixed. Do I need credit repair?

Some bankruptcy attorneys will begin the process of credit repair for their clients after the discharge is received. This credit repair effort normally involves sending a copy of your discharge along with the schedule of all of the debts included in the bankruptcy. Read More »

I recently completed payments on a Chapter 13 bankruptcy. I would like to improve my credit. Is credit repair an appropriate option?

Credit repair may very well offer a way to accelerate the restoration of your credit reports and improvement of your scores. The potential benefit of credit repair depends on the number of reporting errors that have occurred as the result of the bankruptcy. Read More »

I am planning to sign up for your credit repair program. Can you give me any encouragement about the odds of me recovering from my recent bankruptcy?

You can recover from a bankruptcy. And you can do so fairly quickly. If you combine credit repair with a little credit rebuilding and careful debt management there is no reason that your credit scores cannot cross the 700 mark within two years. Read More »

Credit Repair and Bankruptcy

The necessity for bankruptcy may arise for a variety of reasons. Most often it is a simple, although often difficult, business decision. There is no stigma attached to bankruptcy anymore, nor is there a good reason to hide from credit activity after you receive your discharge. In fact, there is no more important time to become proactive about your credit than after a bankruptcy. And there is no better time to employ the services of a top credit repair company.

Bankruptcy is almost certain to spawn multiple credit reporting errors. When an account is discharged in bankruptcy the reporting is supposed to be adjusted to remove any past due balance or collection status. In some cases duplicate accounts appear making an already challenging situation even worse. And it is very common for collection accounts continue to report as unresolved.

Credit repair offers a cure for the erroneous reporting errors that can occur after bankruptcy. In fact, if you don’t make some credit repair effort it is almost inevitable that these issues will linger for years and continue to depress your valuable credit scores. Too many people make the mistake of ignoring their credit after a bankruptcy believing that time will heal their credit wounds.

Post-bankruptcy credit repair must include a focused dispute effort as well as a thoughtful strategy of credit rebuilding. If your bankruptcy has left you without any credit, it is essential that you rebuild as soon as possible. Secured cards are the perfect companion to your post-bankruptcy credit repair program.

You credit is too important to leave to time and chance. If you take all of the right steps after your bankruptcy is discharged you will find that your credit recover very quickly.

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