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HOW LONG DOES A BANKRUPTCY STAY ON MY CREDIT REPORT? HOW CAN I RESTORE MY CREDIT AFTER FILING?

A bankruptcy will appear on your credit report for 7 to 10 years after your case has been discharged. However, even though a bankruptcy appears on your credit report, it does not mean that you will not be able to obtain credit. There are many ways to build credit even after you have filed for bankruptcy.

Most people think you will not be able to obtain financing for a car or house after bankruptcy. That is simply not true. Usually within two years, you will be able to secure a mortgage to purchase a home. You can obtain financing for a car even sooner.

There are many ways to rebuild or restore your credit after filing for bankruptcy. After you have filed for bankruptcy, it is important to get a credit card or small bank loan in your name. From there you must make all your monthly payments on time. If you do not carry a balance month to month, it will benefit you. This will help increase your credit score and financial standing. Furthermore, continuing to make payments on-time toward your mortgage, car, or other household expenses will also help to build and restore your credit.

I am, Russell Simonetta, Central New York’s Premier Bankruptcy Lawyer!

Call us today for your FREE consultation!
315-472-3328

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