Credit After Bankruptcy
How to obtain a credit report, how to repair it, How you can have credit after bankruptcy
Credit was not the source of your problem that lead you into bankruptcy Credit is not bad, The improper use of credit is bad and more than likely contributed to your bankruptcy. Re-establishing credit is important for anyone, The cost of housing and automobiles are getting higher every day, I can’t imagine paying cash for these kind of investments.
One of the first and most important things you should do is to clean up your credit report.
To obtain a copy of your credit report Call:
Atlanta, GA 30374-0241
Allen , TX 75013
760 West Sproul Road
Springfield, PA 19064-0390
Once you receive your report highlight everything that should have been removed by the bankruptcy, and anything that is incorrect, include a copy of your bankruptcy papers, also include a letter requesting a copy of your revised credit report.
Mail everything back to each credit union and you should receive a revised copy of your credit report within 60 days
Another thing you should do is open a Bank account, It needs to be a bank not a credit union, Banks carry a certain amount of credibility, and it will help when applying for a credit card.
The next step is to apply for a secured bankcard, The deposit varies from as low as $100.00 and high as $500.00 your credit limit will be low but it will increase over time.
Once you have your Bank Card/ Credit card and your credit report cleaned up, everything else will be easy.