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can i file for bankrupty if iam not behind in my payments? |
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Date:
April 9, 2007, 11:36 pm |
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can i file for bankrupty if iam not behind in my payments? |
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Answer:
Although all negative information stays on your credit for up to 10 years, you can have an "A rated" credit report within 2 years even of bankruptcy. Rebuilding your credit can be done rather quickly in case you have a certain plan. Creditors are much more interested in your present circumstances (income, for example) than financial troubles. First, apply to 3 bureaus and check all your reports for accuracy. Once a year you have an opportunity to get a free copy of your credit report. Make sure all your accounts are in order. It is not uncommon after a bankruptcy to see open accounts that should be closed. It can hurt your credit rating. Then, you can apply for a bad credit card that can help you build good credit history and make your life easier. Secured credit cards can be helpful in this situation. They are usually offered to people who had troubles with credit in the past. First, you need to open a bank account to confirm your financial stability. Guaranteed approval credit cards can be also beneficial but you must have enough income as they charge higher fees and rates. Insert the secured or unsecured credit card application and wait for the approval. |
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