Fixing Your Credit After Filing Bankruptcy

Now…is the right to time be concerned about your credit and begin the process of improving your credit worthiness.  Your situation is not as bad as you think.  Whether you are thinking about filing bankruptcy, have started the bankruptcy process or have been discharged of your debts in bankruptcy, you need to act on improving your credit because it will not happen on its own.               

Feel as if everyone has denied you? Now what? Your story can have a happy ending! Clean up your credit now! Why not?? Everyone thinks "Why should I clean up my credit now? I will wait until I am done destroying my credit or after I file bankruptcy and it’s discharged." WRONG! The more negative items that you have pile up, the longer it will to take to repair your credit.

Generally, the credit bureaus have 30 to 45 business days to respond to a dispute.  Excessive disputes may result in the bureaus claiming that your efforts are frivolous and hurt your opportunity to repair your credit in a timely manner.  In turn, the proper handling and maintenance of your credit files is critical.

The typical misconception is that consumers think they have no chance once they are denied enough and realize the daunting situation they face with debt. Under 15 U.S.C. 1681 known as the “Fair Credit Reporting Act”, any negative item is subject to a verification process. If the bureau neglects or fails to properly verify entries (note: the bureau is not paid to verify), then the item is considered unverifiable and must be deleted.

The Credit Repair Law Firm was formed to assist every individual consumer overcome these hurdles. You could be paying a nominal fee to reestablish your credit worthiness and save thousands of dollars with potential loans, preserve employment opportunities and remain insurable. We provide our clients the proper education so they have the tools, not only remove the BAD credit, but also how to establish positive credit. We consult with clients everyday who have paid every last cent to collection agencies thinking it will boost their scores. The problem is paying off your debt will not help your credit score rise. Shocked?!?!

Discharging your debt in bankruptcy or settling your debt will not automatically remove the negative items from your credit reports.  The law allows your bankruptcy to appear on your credit reports for up to 10 years and each negative item may remain on your credit report for up to 7 years.  If you do nothing, your credit will suffer during these times frames.  Act now and don’t wait so long.

Please call our law office and let us help your change your credit past to improve your credit future.  The hiring of an attorney is an important decision.  Do not base your decisions upon advertising alone.  We will be happy to provide you with information on our qualifications and experience.  Be careful of credit repair organizations trying to collect up front fees for services not yet rendered.  Call 877-733-CREDIT now or visit online.