How to Restore Your Credit Score After Bankruptcy



TODAY WE’RE TALKING ABOUT THE DREADED EVENT—BANKRUPTCY!!! NO ONE WANTS TO EVEN HEAR THAT WORD, LET ALONE HAVE TO DEAL WITH IT. HOWEVER THE GOOD NEWS IS, IF YOU’RE FACED WITH THE TOUGH DECISION OF FILING FOR BANKRUPTCY, THERE ARE SOME ACTIONS YOU SHOULD TAKE IMMEDIATELY IN ORDER GET YOUR CREDIT SCORE UP.

BUT FIRST, BEFORE YOU DO ANYTHING, CREATE A BUDGET!

DURING THE BANKRUPTCY PROCESS YOU SHOULD’VE RECEIVED CREDIT COUNSELING TO HELP YOU DO THIS. IF NOT, ALL NON PROFIT CREDIT COUNSELING AGENCIES OFFER FREE BASIC CONSUMER HELP ON TOPICS SUCH AS BUDGETING.

YOU REALLY SHOULD DO THIS PRIOR TO TAKING ACTION ON ANY OF THE NEXT STEPS I’M GOING TO RECOMMEND–WHAT I’M ABOUT TO SHARE WITH YOU WILL HELP YOU IMPROVE YOUR FINANCIAL PROFILE–AND IN TURN HELP YOU GET CLOSER TO YOUR GOAL OF RESTORING YOUR CREDIT.

HERE ARE SOME CREDIT BOOSTING OPTIONS YOU CAN CHOOSE FROM:

GET A SECURED CREDIT CARD: A SECURED CARD IS BACKED BY A DEPOSIT YOU PUT DOWN, AND THE CREDIT LIMIT USUALLY MATCHES THE AMOUNT YOU CONTRIBUTE. NOW, SECURED CARDS OFTEN COME WITH ANNUAL FEES AND HIGH INTEREST RATES SO THINK OF THIS AS A STEPPING STONE RATHER THAN A LONG TERM SOLUTION. YOU CAN USE THIS CARD TEMPORARILY TO HELP REPAIR YOUR CREDIT UNTIL YOU BECOME ELIGIBLE FOR AN UNSECURED CARD.

GET A SECURED LOAN: IF YOU HAVE A CREDIT UNION, YOU SHOULD DEFINITELY TRY THEM FIRST, IF NOT MOST BANKS HAVE SECURED LOANS AVAILABLE.

THERE ARE TWO TYPES OF SECURED LOANS YOU CAN APPLY FOR, ONE INVOLVES BORROWING AGAINST MONEY YOU ALREADY HAVE AND THE OTHER CAN BE MADE WITHOUT HAVING TO FORK OUT CASH UPFRONT. TALK TO SOMEONE AT THE BANK TO DETERMINE WHAT CHOICES ARE AVAILABLE TO YOU.

IF A SECURED LOAN OR CREDIT CARD ISN’T SOMETHING YOU ARE ELIGIBLE FOR, CONSIDER ASKING SOMEONE TO CO-SIGN.

IF A CO-SIGNER ISN’T AN OPTION, TRY ASKING SOMEONE IF YOU CAN BE AN AUTHORIZED USER ON THEIR ACCOUNT. IN ORDER FOR THIS TO HELP YOU BUILD YOUR SCORE, THE CREDIT CARD COMPANY MUST REPORT PAYMENT ACTIVITY TO THE CREDIT BUREAUS. YOU WANT A RECORD OF MAKING PAYMENTS ON TIME SO BE SURE TO CHECK ON THAT.

AND FINALLY, DON’T MAKE THE SAME MISTAKES TWICE. START A SAVINGS ACCOUNT FOR EMERGENCY USE ONLY. JUST A FEW HUNDRED DOLLARS CAN GO A LONG WAY. USE THIS MONEY TO PROTECT YOURSELF FROM BEING FORCED TO TAKE OUT A PAYDAY LOAN OR MAXING OUT YOUR CREDIT CARDS WHICH CAN LAND YOU RIGHT BACK WHERE YOU STARTED.

TO TRACK THE PROGRESS OF YOUR CREDIT SCORE DURING THIS TIME GO TO MONEYTIPS.COM AND SIGN UP FOR YOUR FREE CREDIT REPORT! YOU CAN CHECK YOUR CREDIT SCORE HERE EVERYDAY IF YOU WANT–AND IT WON’T NEGATIVELY IMPACT YOUR SCORE ONE BIT!!!

AND BE SURE TO SUBSCRIBE TO OUR YOUTUBE CHANNEL RIGHT HERE. I’M KRISTIN MALIA FOR MONEYTIPS.COM. SEE YOU NEXT TIME.

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17 Responses

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