Chapter 7 Lawyer: How To Improve Your Credit Rating After Bankruptcy

  
     
  By aavotina
  
   
     
 
Filing for bankruptcy lowers your FICO score, but it also gets rid of your debts. Fortunately, there are steps you can take to improve your credit rating. The following tips will help you repair your credit after a bankruptcy. If you havenŽt filed for bankruptcy yet, find a Chapter 7 lawyer in your state. There is a chapter 7 lawyer out there who can help you along the way.

Apply for a Secured Credit Card

Apply for a secured credit card. Make sure the creditor reports to each credit reporting company. After you send the creditor a deposit, they will send you a credit card. A secured card will help you establish solid credit worthiness.

Apply for a Store Credit Card

Apply for a retail store card. Retail stores have a reputation for approving applications with limited or bad credit history. If you are denied, then you are not ready to apply for an unsecured card.

Apply for an Unsecured Card

After you establish history with a secured credit card and store credit card, you are ready for the big leagues. Apply for an unsecured MasterCard, Visa, American Express, or Discover credit card. If you do not get approved for an unsecured card, let your accounts age for a few months and apply again.

Add a Loan to the Mix

Add a personal loan to the mix. You will probably get the best deal from a credit union or community bank. YouŽll want the loan to be reported to the three credit reporting agencies.

Pay Your Bills on Time

Pay your bills on time. Make sure your payments reach your creditors by the due dates. Your payment history has a big influence on your FICO score. If you make every payment on time, you will restore your credit quickly.

Get a Copy of Your Credit Report

Get a copy of your credit report from Experian, Equifax, and TransUnion. You can obtain a copy of your report online, by mail, or over the phone. You can request your credit score from any of the credit reporting companies after you receive your report, but you will be charged a fee.

Dispute Credit Report Mistakes

Dispute the mistakes on your credit report. The credit reporting companies must investigate the items in questions within 30 days. Removing credit report errors can improve your credit rating. Connect with an experienced Chapter 7 lawyer today. A Chapter 7 lawyer will help you through this difficult time.

  
   
  Article Source: http://interpret.zar.vg   
     
  About The Author
A Tampa chapter 7 lawyer can help you improve your credit score. For more information visit: www.bankruptcylawyerintampa.com/. 		 
     
 
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