I had a bankruptcy discharged a year ago and my reports are still a mess. What should I do?

Credit report repair is critical after a bankruptcy and can make a dramatic difference in the appearance of your reports as well as your credit scores.… Read More

My bankruptcy attorney sent my discharge documents to the credit bureaus but only a few of the accounts were fixed. Do I need credit repair?

Some bankruptcy attorneys will begin the process of credit repair for their clients after the discharge is received.… Read More

I recently completed payments on a Chapter 13 bankruptcy. I would like to improve my credit. Is credit repair an appropriate option?

Credit repair may very well offer a way to accelerate the restoration of your credit reports and improvement of your scores.… Read More

I am planning to sign up for your credit repair program. Can you give me any encouragement about the odds of me recovering from my recent bankruptcy?

You can recover from a bankruptcy. And you can do so fairly quickly. If you combine credit repair with a little credit rebuilding and careful debt management there is no reason that your credit scores cannot cross the 700 mark within two years.… Read More

Are there any issues that credit repair cannot resolve?

There Are Many Benefits

Credit repair can make a major difference in your financial life. In addition to the significant financial benefits that come from having great credit there are many psychological benefits as well.… Read More

My bankruptcy was just discharged. Is there any point to starting your program now?

You should start the program now. Credit repair can make a remarkable difference after a bankruptcy. Past due balances can be removed and charge off and collection statuses eliminated.… Read More

My credit is a mess! Would I be better off with bankruptcy or trying to clean it up with credit repair?

If the “mess” on your credit report includes reporting errors credit repair may be the solution to your problem. If you sign up for our credit repair services we will review the content of your credit reports and, with feedback from you, identify all of the errors.… Read More

Will my Chapter 13 bankruptcy be treated differently from a Chapter 7?

Yes. Your Chapter 13 bankruptcy will get preferential treatment by the credit bureaus. This does not means that you will not have to make a little credit repair effort to insure that they do what is expected!… Read More

How bad of an impact will bankruptcy have on my credit?

A bankruptcy can cause significant credit damage. But, oddly enough, most of the damage that occurs after a bankruptcy is not due to the event itself, but rather the failure of the creditors to properly update accounts after the discharge.… Read More

When will my discharged bankruptcy fall off my credit report?

The only reference to bankruptcy in the Fair Credit Reporting Act is as follows:

Section 605. Requirements relating to information contained in consumer reports [15 U.S.C. §1681c]

(a) Information excluded from consumer reports.

… Read More

Is credit repair an option to bankruptcy?

If your debt has mounted up and you cannot pay your bills you should consult a bankruptcy attorney. If you are in financial trouble you are not a candidate for credit repair. And if you are looking for an option to bankruptcy you might consider consumer credit counseling or debt consolidation.… Read More