How do I repair my credit after bankruptcy?

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  • #4664

    I recently declared bankruptcy, but I want to start the ball rolling in getting my life back. I know it will not be easy but I have to try. So how does one start to repair their credit after filing for bankruptcy? Can it even be done? I’m sure it can be. I don’t want this to be the end of the world. I need to give it a good fight.

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  • Emmett
    Best Answer

    I would suggest not getting multiple credit cards. Some people make this mistake and live to regret it. Think about it. If this was the answer, then everyone will be doing this. The problem is, most people end up buying a lot of things they cannot afford. The only reason you need one now is for the sole purpose of building your credit again. This whole process will require you to make sacrifices and be disciplined. When you do get a new credit card, it is to help you, not put you in debt.


    You need to develop new habits. You know what got you in debt in the first place. Learn from those mistakes. Do not repeat them or there is no point in trying to rebuild your credit. There may have been certain things or patterns that got you to a point where you were beginning to think of bankruptcy. Learn to spot them and keep away from the old habits.


    Why don’t you just get professional help? Harris & Partners Inc is a company that have seen it all before. They can help stop those annoying phone calls. They can help reduce your debts and you may not even have to give up your car and home. I am sure they can come up with solutions for you that are more than acceptable.

    They are experienced and reliable and will come up with viable options for you. The main thing is that you get back in control of your finances and repair your credit. Why try to do this on your own? Why not just get the proper help? If it were me, I would not hesitate. You will lose precious time.


    I suggest having an emergency fund set up for those times when unexpected expenses hit you. Otherwise, you will need to rely on a credit card and you will get in debt all over again. I know it won’t be easy, but try not to rely on your credit card as much.


    You can still rely on your credit card as long as you have budgeted for something. So now, when you get the bill, you can pay it off immediately, preferably in full. I also suggest that you try not to take your credit card. Instead, pay for things with cash. A credit card can be a huge temptation. If you don’t have it, you can’t use it. Try to organize yourself and create a budget. Pay with cash as much as possible, unless it is absolutely necessary to use a card. You don’t want to make the same mistakes, do you?

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