After you file bankruptcy, you may find yourself in a pinch when trying to acquire any new debt. The bankruptcy will remain on your credit report for up to 10 years, although some credit bureaus will remove it after 7 years. Either way, you have a few years to work on repairing your credit. First [...]
Category Archives: Credit Reports
Credit Repair Step By Step. What to Do After Bankruptcy
Also posted in Bankruptcy, Credit Repair Tagged credit after bankruptcy, Credit Repair Leave a comment
The Most Forgiving Credit Cards for Bankruptcy Filers
There are credit cards that a bankruptcy filer will not own until the bankruptcy is erased from the credit report (which, by the way, could be up to 10 years). I won’t list them because a) it’s depressing and b) all bankruptcy filers and broke people know which ones hate us. We are also aware [...]
Also posted in Bankruptcy, Credit Cards and Bills, Credit Repair Tagged Bankruptcy, Capital One, credit cards, Hooters, HSBC Leave a comment
What Should Be on My Credit Report After Bankruptcy?
One of the most common questions regarding post bankruptcy activities, seem to be related to how the bankruptcy is reported on the credit report. In this study in 2004, it was reported that 4 in 5 credit reports contain errors. Even though things have likely gotten better since then (hope hope) I still hear quite [...]
Also posted in Bankruptcy, Credit Repair, Uncategorized Tagged Bankruptcy, charge offs, Credit Reports, disputes, late payments Leave a comment
How to Fix a Late Payment on a Credit Card
Well, as hard as I try to stay on top of my credit card payments, it is inevitable that one will be missed or forgotten. In my case it was a payment for Walmart which I never use and can’t remember why I did. Of course I forgot I even had a payment to make [...]
Also posted in Bankruptcy, Credit Cards and Bills, Credit Repair Tagged credit cards, Credit Repair, late payments 4 Comments
Free FICO and the FICO Fitness Challenge
I’m a little ahead on the bankruptcy information (and a little behind on this blog) but a couple things have come up that are actually related to fixing your credit after you file bankruptcy. One of the most important things you’ll need to do post bankruptcy, if you have any interest in bouncing back, will [...]
Trouble for Experian and How to Really Get a Free Credit Report
I don’t know about you, but I love those freecreditreport.com commercials. In fact, we’ve talked about the curse of the commercial at work. Once you hear that jingle you’re pretty much stuck with it all day. I’ve included a video in case you’ve been in a cave and haven’t yet seen one of the commercials. [...]