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Bankruptcy Help Advice - Get Alternatives For Making a Fresh Start
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Making a Fresh Start Bankruptcy has indeed tarnished your credit report, but it is still possible to gain renewed confidence from creditors. You can typically obtain credit if you demonstrate a consistent employment record and signs of financial rehabilitation. Start by opening a savings account and obtaining a secured credit card. Make the payments on time to build a positive credit profile. During your rebuilding period, it is important to check your credit rating often to make sure you are getting credit for your good deeds. Credit bureaus are required to provide a free copy of your credit report if you are denied credit. Some credit bureaus also provide a free copy once a year. Be prepared to provide relevant information, including your Social Security number, date of birth and addresses for the past five years. Contact the following companies to order a copy of your credit report: Experian P.O. Box 2104 Allen, TX 75013 1-888/397-3742
Trans Union P.O. Box 1000 Chester, PA 19022 1-800/888-4213
CBI/Equifax P.O. Box 740241 Atlanta, GA 30374 1-800/562-4437
Once you receive your credit report, look it over carefully. Are your name, address and Social Security number correct? Do the lines of credit listed belong to you? If you find errors, notify the credit bureaus in writing and include any backup materials such as canceled checks.
A Final Word Again, before declaring bankruptcy you may want to seek credit counseling or talk with an attorney and try to reach out-of-court agreements with your creditors. For more information see the Life Advice® pamphlet Having Credit Problems.
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