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bankruptcy

Taking On Your Credit Report: Step Two

After you’ve pulled your credit report, adjusted your mindset to your new, lower credit score, and made your credit score goal of 720, you’re ready for the next step. Step Two: Update Your Information with the Credit Bureaus Start at the beginning and make sure that all the information reflected ...
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bankruptcy

Taking On Your Credit Report: Step One

The first thing you have to do when it’s time to restore your credit after bankruptcy is to access your credit. Pull your report and get a good understanding of where you are and where you want to go. What do I mean by that? Step One: Pull Your Credit ...
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bankruptcy

The Four C’s: Analyzing a Credit Application

There are four major elements of a general underwriter’s guidelines in reviewing and analyzing a credit application for the lender. We like to call it the Four C’s: credit, capacity, collateral, and character. The Four C’s: Credit – The applications you submit immediately after bankruptcy, at the beginning of your ...
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bankruptcy

What Makes Up Your Credit Score?

It’s one thing to decide that you are going to rebuild your credit score after bankruptcy, but it’s another thing to do it – particularly when you aren’t sure where credit scores come from. What makes up your credit score? Payment History (35%) Outstanding Debt (30%) Age of Your Credit ...
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bankruptcy

Tell Your Bankruptcy Story: Your Very Own Sound Bite

According research, over 80% of bankruptcy petitioners have dealt with: illness, divorce, or unemployment. What’s your bankruptcy story? Prepare your very own 30-40 second sound bite explaining why you filed for bankruptcy protection. This is important because as you begin your quest towards a credit score of 720, you are ...
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bankruptcy

If I Don’t Make My Minimum Monthly Credit Card Payment Will I Get Arrested?

There are so many people that are struggling with overwhelming debt. Many of those who find themselves in an impossible situation financially attempt to “do what they can” to stay in good standing. Doing what they can usually means sending in as much money as possible, but not meeting the ...
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avoid common bankruptcy mistakes

Top 3 Mistakes People Make Before Filing for Bankruptcy: Avoid Common Bankruptcy Mistakes

Once you’ve made the decision to file for bankruptcy, it is usually best to take your time to ensure it is done right. It is very rare that a bankruptcy needs to be filed on an emergency basis. Unless you fall into this rare instance, take the time necessary to ...
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