Credit Repair After Bankruptcy – How To Rebuild My Credit Effectively
Svilen22 asked:
www.smart-debt-solutions.com – Everyone knows the devastating effect that bankruptcy has on the credit score… and bankruptcy remains on your credit report for 10 years. So, repairing credit after bankruptcy is really a tough job unless you know the tips on how to repair credit after bankruptcy. So, let’s have a quick look at some of the important tips that can help you with credit repair after bankruptcy. Take lessons from the past but do not let the past bog you down This is the first most important thing. You had your bad experiences and had to file bankruptcy but that is now past and you have got a chance to make a new beginning. The advantage that you now have is that you are now experienced and have lessons from the past. So, you know what mistakes to avoid and how to do your financial planning in a better manner. In order to make the most of this learning, you should actually jot down (on a sheet of paper) the learning in terms of do’s and don’ts for yourself. You can then refer this sheet every month to ensure that you are on the right track. Start building a good credit history With a bad credit score, you will find it very difficult to get credit cards or loans etc. So, you would wonder ‘How to repair credit after bankruptcy’. The best way to start repairing credit after bankruptcy is to get a secured card (see the note below). As you use this credit card and pay your dues in time, you will start building a good credit history for yourself. And over a period of …
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Categories: Howto Tags: 10 years, Jot, Secured Card
Bankruptcy and Buying a Home
Jessica Lambert asked:
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If you are in a position where you are thinking of filing bankruptcy but want to eventually buy a house, it is possible!
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Categories: Finance Tags: 10 years, credit score, Flags
How long after filing for Chapter 7 Bankruptcy can you file for Chapter 13?
My sister has been dealing with the IRS for a while and she was recently told by a friend of hers that she could file Chapter 13 Bankruptcy to get all her bills organized and establish a payment that would help her meet her obligations and keep her house. My understanding is that once you file Bankruptcy you can not do it again for 10 years. I could be wrong though -
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Categories: information on bankruptcy Tags: 10 years, chapter 13 bankruptcy, irs
Is it better to wait out then go for chapter 11?
(Advice for a close friend)
No major Assets.
Self employed – Would this effect his Corporation?
If he goes chapter 11 – (he can qualify) he doesn’t owe anything
but would have to wait 10 years before he can earn credit.
My thought. Wait it out. If his business does really well. He can pay off the debt at a reduced rate which would look alot better.
Or wait 3 years less… Because I think that goes off in 7 years right?
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Categories: personal bankruptcy Tags: 10 years, 3 years, assets, chapter 11
Is this a valid way to remove a bankruptcy from your credit report?
I have heard this is a good way to remove a BK. See below. Has anyone tried this?
Unlike other negative information which stays on your credit report for 7 years, bankruptcy can be reported for up to 10 years.
Bankruptcy courts keep cases active for a period of two years before placing them on microfiche.
If your Chapter 7 bankruptcy has aged at least 27 months since the date of discharge, your in a great position to make it disappear forever, simply file disputes with the credit bureaus indicating that your bankruptcy was a Chapter 13 and not a Chapter 7.
You need not provide any documentation to support your dispute, the burden of proof is on the government.
Bankruptcy courts do not respond to requests for verification on cases which has been archived to microfiche, as a result the credit bureaus are required to remove the bankruptcy from your credit report.
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Categories: General Tags: 10 years, bankruptcy courts, bk, burden of proof, chapter 13, chapter 7 bankruptcy, credit bureaus, credit report, microfiche