My credit got ruined after my divorce. I’ve got... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » My credit got ruined after my divorce. I’ve got some unpaid debt and I just got turned...

My credit got ruined after my divorce. I’ve got some unpaid debt and I just got turned down for a balance transfer credit card. How can I repair my credit score quickly?

Answered on | Updated on October 15th, 2016
The content is accurate at the time of publication and is subject to change.

First of all, don’t feel bad. Many people have suffered setbacks to their credit score due to a divorce, illness, or other event beyond their control. The key is to be proactive about repairing your credit, which you are already doing by asking this question. Second, be prepared to be patient. You may not be able to improve your credit score quickly, but given some time, you can get it back to where it used to be. Even the worst credit marks, like bankruptcy, fall off your credit report after seven to 10 years. The best thing to do is get in touch with your creditors and tell them what’s going on. Set up payment plans to pay off your debt over time. Stick to the plan, make your payments, and get a secured credit card so you can begin to rebuild creditworthiness. Before you know it, you’ll be on the road to repaired credit. Also, there are cards that do not require excellent credit to apply. For example, Fred Meyer shopping card can be of a great help if you are their loyal customer.

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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