This is a concern that I hear often during a bankruptcy consultation. Most people assume that if they file bankruptcy they will ruin their credit rating forever. They assume that by filing a bankruptcy case they will never be considered for credit again. This is simply not the case. While filing a bankruptcy will affect your credit rating, you will be able to rebuild your credit rating and qualify for credit in the future.
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Your Credit Rating and Bankruptcy
By the time most individuals come to my office for a consultation, they have already damaged their credit rating. Late payments are one of the things that can harm your credit rating the most. Many people who are struggling with debt problems have fallen behind on their bills. Late fees and interest can cause the balances on cards to exceed the credit limit. These negative items are reported on your credit report causing your credit rating to drop.
In the short term, filing bankruptcy will cause a temporary drop in your credit rating. However, most clients see an improvement in their credit rating beginning as early as one year after the bankruptcy filing. As more time passes, the negative items will continue to fall off your credit report and your credit rating will continue to improve.
How Can I Improve My Credit Rating After Bankruptcy?
There are ways you can help improve your credit rating after bankruptcy. Below are tips for rebuilding credit after bankruptcy.
- Get a secured credit card. You will be required to place a deposit to secure your charges; however, as you use the card and pay your payment each month on time, your credit rating will continue to improve.
- Make all payments on time. Late payments will hurt your credit rating quickly. Make all future payments before the due date to ensure that your credit rating continues to improve.
- Get a store credit card. When you can afford it, apply for a store credit card. They are typically easier to get than a major credit card. Your interest rate will be high; therefore, it is wise to charge small amounts that you can pay off in two monthly payments to avoid paying large interest payments.
- Apply for an installment loan. Once your credit rating has improved and your budget allows, apply for an installment loan (i.e. car loan, furniture loan, etc.). A mixture of debt will help improve your credit rating.
Using credit wisely and learning how to manage your finances is essential to rebuilding your credit. You can learn more about these topics in your debtor education course that is required to receive your bankruptcy discharge.
Schedule a Free Consultation with an Experienced Southern New Jersey Bankruptcy Attorney
Travis J. Richards focuses his law practice on bankruptcy, debt consolidation and credit repair. We help you find a solution to your debt problems so that you can begin to rebuild your finances and your credit rating. For your convenience, we offer free bankruptcy consultations during normal business hours as well as on weekends and after-hours.
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If you having problems with debt collectors in Burlington County or anywhere in South Jersey, call The Law Office of Travis J. Richards, LLC in Mount Holly at 609-267-5297 or use our convenient online contact form to schedule an appointment today.
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