After going bankrupt.  What's the best way to get your credit back in track?
153746
when you go under chapter 7 you can finance a home the day you are discharged in most cases. To establish your credit you do need to get secured credit cards. Have someone you know and that trust you add you to their credit cards that always helps. Pay all your bills and accounts on time. When you go under chapter 12 that takes longer, you really can't do much until you are discharged. Chapter 12 takes longer to discharge because you have to pay back all your debt. Those payments all have to be on time along with your payments that are not in the bankruptcy.
1094635
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcra.pdf for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards until after you buy your home.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
846718
My close friend does credit repair and you are guaranteed results in 60 days.  Whatever he cannot clear, he'll refund you the money that was borrowed to clear that collection item or what have you. \n\nIf you want to do it yourself, you need to contact the three bureaus Equifax, Experian and Transunion and write them letters of dispute, confusing them so much that they sometimes clear your debt since they're tired of investingating it over and over.. it's time consuming and boring.....and who knows if you'll get the results you want...\n\nAs far as building your credit, call your collection agencies and negotiate w/ them to pay half of what you owe them, THREATEN them that you will file a bankruptcy, so either they should take your offer or else shove it....bargain w/ them....\n\nSlowly make your payments on time, and you'll see your fico score rise month after month.....if you have any further questions e-mail me at edgarambart23@yahoo.com\n\nI'm a loan officer, and an entrepeneur, and deal w/ clients w/ similar problems on a daily basis.  \n\nHope this helps.....
93959
There are ways to clean your credit.  First things first though.  You want to make a plan to start paying down/off your debt.  Once you have the plan, and start working it, you can dispute things on your credit.  Sometimes companies report failure to pay incorrectly.  There are companies out there who can help you fight those part of your credit report.  You can also do it yourself, but in my opinion, its better to leave that kind of stuff to experts.
163927
If you use your credit cards after bankruptcy, be prepared to pay everything you charge on them.  \n\nYou should cut up your credit cards.  That's what got you into bankruptcy in the first place.
1003685
There is no way  around the bad credit.   Sounds like you will have to establish  the credit again.   Good luck though.
657074
Please, you need to hear this...\n\nSTUPID!!!\n\nYou filed for bankruptcy, and it taught you nothing?  You STILL bought things with money you did not have?  Learn from this, I beg you.  Learn what happens when you decide that you have to have something NOW, instead of waiting until you have the money to pay for it.\n\nHere is what I would recommend:\n1) Talk with a Debt Counselor.  This is usually a free service offered by the state.\n2) You may need to declare bankruptcy again, but only as a last resort.  A better option is to find a credit card that offers a high-amount balance transfer with 0% interest for the life of the transfer.  Transfer your highest interest rate to that card.  Then, pay the minimum on that while you pay the max on the next-highest interest card.  That will save you money over time.\n3) Once you find some way to pay off a credit card, cancel it, cut it up, and burn the pieces!  Make sure you do not fall into this pit again.\n4) A house and a car are the only things you should EVER buy that cost more than you have in the bank.  Do not fall victim to the sweet sounds of "buy now, pay later."\n5) Understand that the amount of ~things~ you have does not equal the amount of success you have in life, importance, or friends.\n\n6) Lastly, LEARN from this!  Do NOT take credit card offers that seem too good to be true.  Have one card.  If you approach the limit, you spent too much on it!  Simple.
159997
You would want to get in with a company that is non profit as you stated in your question.  Other companies charge you a fee for doing this for you, as much as 50.00 a month.  Consolidated Credit Counselors is a company I used before the only problem I had with them is the agreement they have with the issuing banks it to make payments that is 5% of what you owe.  That was too high for me so I had no other choice but to do a bankruptcy.  In time your credit rating will improve.  But by taking action and just not walking away will definately improve your credit rating.
173995
you can repair your credit yourself.  The best way is to pay off creditors.  You can offer a settlement for half or less which in many cases they will accept.  Make sure you get every thing in writing before you send money and only pay them off if they delete the credit completely.  If they do not agree then don't pay them and tell them so.  You need at least a 550 credit rating to buy a car 700 or better to buy a house or a motorcycle.
529873
If your credit is already shot, bankruptcy might be an option.  That way you don't need to pay back your unsecured debt, and you can start rebuilding your credit once you aren't trying to pay too much each month with too little money.  Be aware, though, that a bankruptcy will stay on your credit record for seven to ten years.  \n\nIf you already find that you can't get credit because you've had problems, it won't hurt you, but if your credit is salvageable, try contacting a consumer debt management outfit.  They will negotiate with your creditors to reduce or possibly even eliminate interest rates, and you will pay the outfit a flat amount every month, which they will pay out to your creditors.  They usually charge something for their service, but it is not much and it is a whole lot less than what you are probably paying in interest on your existing debt.\n\nGood luck.  There is a light at the end of the tunnel.  You just have to perservere.
1174066
Ok follow these instructions to the "T" this will restore credit nicely.  this information comes to you as a free no obligated gift from me as I was in the same predicament.\n   I  presume that you have endured the bankruptcy 7 year not credit allowed. sometimes that wait can be up to 10 years if you just stand by and do nothing about expediting the process.\n  \n1) sell an item or two, your goal is to come up with at least $600.00. or the more the better(fees &other).\n2) go to a bank(one that you have not done any prior business with and a national bank if possible.\n3) be sure you have all the criteria a bank needs to set up an account IE: ssn, id, at least a part-time job. birth  cert?\n4) deposit 500.00 into a savings acount.\n5) then have that $500.. as secuity because you will be taking out a personnal loan with in the amount of 500.00. You will not need a co-signsor(or at least i did't) as the money you just deposited is their security. their will be a hold by the bank on these funds.\n6) with the $500.00 you recieved as a loan. wait a few days and then go to another bank and use the same instructions. and if they ask if you have other accounts you can now say yes.\n  Do the above with at least three banks,each time you do this you will have in each bank $500.00. along with that you will be lugging this 500.00 around. \n7) ok now you have established 3 accounts. Please read the following importantly:\n hang unto the $500.00 and make the minimum monthly payment on each(recommended), this is ok as the goal here is to regain your credability here . keep track of all transactions.\n8) when your obligations have been fulfilled you now have credit along with $500.00 in each account.$1500.00!\n9) be sure to keep up on all those watchdog master credit rating burous.\n10) And their you go..You now have 3 lines of credit. i have helped\nother people out with the same succsess. be digilant and do not get back into the predicament that got you here in the first place.  \n  Your welcome           bchristo@tds.net
217504
Pay your bills on time.  Other than that, it's just a matter of time to let all the bad stuff fall off your credit report.  It sucks, I know.
382691
Yes. It takes 7 years for an account to fall off of your credit report, and it is 7 years from the last date of activity. So if you opened the account 5 years ago, but you paid on it last month, it won't fall off until 7 years after last month. Your best bet is to just keep paying as agreed. \n\nFiling bankruptcy won't help, either. They just changed the laws so it really wouldn't do you any good.
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
80890
Not sure how short you are looking for but first thing you need to do is give more details (have you gone through bankruptcy, collection accounts, no credit..) \nIf you have just recently gone through bankrupcy then I would suggest getting a very low limit credit card www.capitalone.com - where I got mine... Just start using it as a gas card, or buy clothes and take your time paying them off.. Like a couple months.. Never EVER be late on a payment and always pay over the minuim amount due (payment). Second, dont be late on any bills. Creditors look at this as well. Have you got a copy of your credit report lately? You should if you haven't so you can see what you are up against. If you have not filed for bankrupcy then you need to see what you have in collections and also get all your debt paid down.
541648
Visit my website to see an article on tips to rebuild your credit after bankruptcy.
666472
Why in the world would you want to get back into debt after declaring bankruptcy!  Stay away from loans and credit cards, that's probably what got you there in the first place!