After you move on from your bankruptcy, there is definitely a strong sense of relief. A new page in the book of your life can be turned and you're ready to get started on the right foot. Before you do anything though, you must make sure your credit report does not reflect any of our outstanding debts that existed before your bankruptcy.
Receive copies of your credit report from all 3 major credit reporting agencies, TransUnion, Equifax and Experian and you can ordeer them free at least once a year. After you receive the reports, take the time to go over each of them and make sure that all of your old debt you had prior to filing for bankruptcy has been removed. It is very common that people will find debts that should have been discharged during bankruptcy, but may still be listed on your credit report.
If you find old debts on your credit reports, you will need to write a letter to the credit reporting agencies to get them to remove the erroenous charges. If you've written a letter and haven't heard back, don't be afraid to call and make sure that they received your information.
Bankruptcy in itself will lower your credit score (also known as your FICO score) depending on your past credit history and the severity of your bankruptcy. So it is important that you take the time to remove the incorrect charges on your credit report and you can quickly be on the way to improving your score. Follow these steps, control your spending and you could be back on your way to getting a credit score in the 600 and 700's.
Receive copies of your credit report from all 3 major credit reporting agencies, TransUnion, Equifax and Experian and you can ordeer them free at least once a year. After you receive the reports, take the time to go over each of them and make sure that all of your old debt you had prior to filing for bankruptcy has been removed. It is very common that people will find debts that should have been discharged during bankruptcy, but may still be listed on your credit report.
If you find old debts on your credit reports, you will need to write a letter to the credit reporting agencies to get them to remove the erroenous charges. If you've written a letter and haven't heard back, don't be afraid to call and make sure that they received your information.
Bankruptcy in itself will lower your credit score (also known as your FICO score) depending on your past credit history and the severity of your bankruptcy. So it is important that you take the time to remove the incorrect charges on your credit report and you can quickly be on the way to improving your score. Follow these steps, control your spending and you could be back on your way to getting a credit score in the 600 and 700's.
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