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  • Bankruptcy Does Not  Hold You Back For 10 Years If Handled Properly After Your Discharge!

*After your bankruptcy discharges, your attorney’s job is over.  It is then your job to make sure your credit report reflects the correct information.  The credit bureaus or the creditors do not do this on their own.

It is not uncommon for your credit report to show that you still owe balances, even though you don’t, for years to come. 

This is detrimental to your credit scores and will not allow your credit scores to increase. 

Even though your bankruptcy will show up in the "public records" section of your credit report for 10 years, it is only in your credit scrore's for 2 years after discharge.  There is no reason your scores can't be as high as someone who has not filed bankruptcy after 2 years if you take the proper steps.
 
 


Step's to take after you file bankruptcy to re-establish your credit.

1. Get a copy of your Bankruptcy Schedules and Discharge papers if you do not already have them.

2. Get a copy of all three of your credit reports that includes your three credit scores, so you can monitor your progress.

This process is fairly simple if you handle it properly.  You don't need to pay a Credit Repair company to do this for you.  View a sample letter that needs to be sent to the bureaus.  (It is important that your wording is correct, as this depends on how the credit bureaus respond to your request) Make sure you send all correspondence via certified mail.
 

     Need to order Bankruptcy Records  
              www.bankruptcy-records.us

     Need a copy of your Credit Reports
               Order Credit Reports