Wednesday, May 31, 2006

Credit after bankruptcy

How to get credit after bankruptcy--
By-
Satyajit Das(MBA--Finance)Mr.Das is a famouse credit consultant and regular contributor to top article directories on net.

There are some simple steps that anyone who files a bankruptcy possible to bounce back in a short amount of time.
The first step is-Restore Your Credit after Bankruptcy.
Get a copy of your credit report.After receiving your bankruptcy discharge papers the first thing you will want to do is get a copy of your credit report and make sure that the information reported on it is correct.
Make sure that ALL creditors that you included in the bankruptcy are showing that they were and that your balance is $0 and nothing else. Profit & Loss or Charge Offs will lower your credit score. Make sure they report as "included in bankruptcy" with a $0.00 balance.

The second step is-build a good credit history afterwards.Pay all of your bills on time. Bankruptcy is a means to financial recovery. It is intended to allow you to “start over” financially.And it's a good idea to get at least one credit card after bankruptcy or small loan--and make regular, timely payments on it--so you can rebuild your credit history.
Because rebuilding your credit history can increase your credit score. This in turn can mean the difference between qualifying or being declined for a loan.

If you increase your credit score enough it could help you get a lower interest rate - as a result, you could end up saving $100s or even $1,000s in extra interest.


The third step is you should know how the credit approval process works. This is another key part of your credit after bankruptcy and credit card after bankruptcy game plan. You need to know what lenders look for when evaluating a credit application, and how to use that information to your advantage.

I think now you know some steps you can take when it comes to credit after bankruptcy as far as credit and loans are concerned.Best Of Luck.

credit after bankruptcy.
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