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How Can I Improve My Credit Score After Bankruptcy?

Bankruptcy Can Give Debtors a Fresh Start

It’s always in the back of our clients’ minds on the eve of filing bankruptcy. What sort of interest rates will I get when applying for a future car loan? Will I ever qualify for that home loan? Are credit cards going to be beyond my reach for the next 10 years?

These concerns have real impact not just on financial futures but also on whether or not some of life’s biggest goals are achieved. While filing bankruptcy will certainly impact a debtor’s credit negatively in the short term, it can also act as a fresh start. The bankruptcy allows a debtor to replace old negative credit information with a new and better payment history.

Rebuild Your Credit Score with Our 720 Program

Establishing new credit information can be a complicated nightmare. To avoid that hassle we offer the “720 Credit Score Program.”

The program consists of easy-to-use, weekly step-by-step credit lessons. The lessons are emailed directly to the debtors once per week for 12-weeks and contain strategies proven to rebuild credit to a score of 720 or higher in a 12-to-24-month period.

One of our program success stories includes a client who received his Chapter 7 discharge in October 2020. Following enrollment, both he and his wife dutifully followed the program guidelines and after just seven months they were each able to raise their credit to a score of 702!

Does the 720 Credit Score Program Cost Money?

The program is free of cost to all of our Chapter 7 clients following discharge and to all of our Chapter 13 clients following confirmation of their payment plan.

Free Credit Report Review Service 

In addition, we are also offering a credit report review service at no cost. The service identifies any inaccuracies on your credit report after you have filed for bankruptcy. If there are inaccuracies, we will attempt to force the credit bureaus to fix the mistakes and attempt to recover damages for you of up to $1,000 or more per violation.

Bankruptcy Is Not a Death Sentence for Your Credit Score

Please give us a call today to discuss how bankruptcy, as ironic as it sounds, could and probably will improve your credit far quicker than doing nothing at all. This could save you a lot of money when you apply for loans to buy new cars, houses, and/or apply for credit cards or other credit. Why? Because the better your credit, the lower your interest rate, and the cheaper the monthly payments.

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