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  • How to Repair Your Credit after Filing for Bankruptcy (Part 2)

    Diligently following these tips on how to repair your credit after bankruptcy can help you significantly improve your credit score and your overall financial standing.

    Diligently following these tips on how to repair your credit after bankruptcy can help you significantly improve your credit score and your overall financial standing.

    As a continuation of How to Repair Your Credit after Filing for Bankruptcy (Part 1), the following are some additional tips regarding what you can do to improve your credit score after you have filed for bankruptcy. Diligently following these tips can help you significantly improve your financial standing and get you down the road to the financial fresh start you are looking for.

    • Carefully review your credit report about every 6 months – When looking at your credit report, make sure that any debt that should have been discharged by your bankruptcy has been deleted and that there are no debts on the report that you have not accumulated yourself (as this could indicate that someone has stolen your identity and racked up debt under your name). Make sure to not request your credit report more often than every 6 months, as too many requests on your credit report can also damage your credit score.

      If you do see something on your credit report that should not be there, be sure to formally dispute the incorrect listing through writing (ideally through the credit bureau’s online service or via a written letter sent via certified mail so that you have a record of sending the communication). In such written communications, clearly state your name, social security number, birthdate and year and the specific account information associated with the dispute at hand.

    • In debt settlement negotiations, attempt to get the creditor to remove the debt from your credit report – When working with creditors to settle an outstanding debt that could not be discharged through your bankruptcy case, make sure that you negotiate to pay off some or all of the debt in exchange for the debt being wiped off your credit report. Settled debts that remain on your credit report will continue to hurt your credit score.

    If you are struggling with debt and are looking for a financial fresh start, contact the trusted Colorado bankruptcy lawyers at The Law Office of Andrew McKenna. For more than 20 years, we have been successfully overseeing our Clients’ bankruptcy cases so they can resolve their financial issues as beneficially as possible. Our comprehensive legal knowledge coupled with our vast experience allows us to consistently and efficiently help our Clients achieve the best possible resolutions to their financial matters. For an evaluation of your case and expert advice regarding how to move forward, call us at (303) 730-8819.

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    North Metro Denver Office – 11154 Huron
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    E. Florida, Suite 400, Denver, CO 80222

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