{"id":4441,"date":"2013-08-15T17:29:13","date_gmt":"2013-08-15T22:29:13","guid":{"rendered":"http:\/\/pierreroy.com\/?p=4441"},"modified":"2014-11-09T21:37:12","modified_gmt":"2014-11-10T02:37:12","slug":"how-to-rebuild-your-credit-after-a-bankruptcy","status":"publish","type":"post","link":"https:\/\/pierreroy.com\/en\/2013\/08\/how-to-rebuild-your-credit-after-a-bankruptcy\/","title":{"rendered":"How to rebuild your credit after a bankruptcy?"},"content":{"rendered":"

After being discharged from a bankruptcy or having completed a proposal, you will probably want to rebuild your credit. Your credit rating will have been affected, but it will only be temporary if you follow the tips outlined in this guide.<\/p>\n

Here are 10 tips which will help you rebuild your credit after a bankruptcy or proposal:<\/p>\n

1. Open a savings account.<\/h3>\n

<\/strong>Even if your credit rating is not great, you have the right to open a bank account to put money aside. Your savings will offer you financial stability and will help you deal with unexpected expenses.<\/p>\n

2. Make regular deposits into your savings account.<\/h3>\n

<\/strong>Automatically deposit a percentage of your pay into your savings account. This money will come in handy when you request a loan.<\/p>\n

3. Ask your banker for advice.<\/h3>\n

<\/strong>Talk to your banker about your intention to rebuild your credit. He can give you personalized advice and more information.<\/p>\n

4. Pay your rent 3 days before the due date.<\/h3>\n

<\/strong>These 3 days will ensure that the check is cashed and will help avoid delays. Your landlord will be impressed and may provide you with excellent references.<\/p>\n

5. Apply for a secured credit card.<\/h3>\n

<\/strong>This type of credit card is one of the best tools to rebuild your credit. Each monthly payment will appear on your credit report. Since a guaranteed amount protects you against an overdraft, you can be assured not to miss a payment.<\/p>\n

6. Check your credit report.<\/h3>\n

<\/strong>Contact the credit bureaus to obtain your credit report. Examine it carefully and make sure there are no errors or incorrect information.<\/p>\n

7. Pay your bills on time.<\/h3>\n

<\/strong>Make sure not to be late on your bill payments (phone, electricity, cable, etc.)<\/p>\n

8. Keep a low balance on your credit card.<\/h3>\n

<\/strong>A high balance on your credit card has a bad impact on your credit report.<\/p>\n

9. Pay your credit card balance in full.<\/h3>\n

<\/strong>Make your payment as soon as possible and pay the balance in full.<\/p>\n

10. Get only one credit card.<\/h3>\n

<\/strong>You only need one credit card, no more. Avoid over-indebtedness and, most importantly, avoid paying the balance of a credit card with another.<\/p>\n","protected":false},"excerpt":{"rendered":"

After being discharged from a bankruptcy or having completed a proposal, you will probably want to rebuild your credit. Your credit rating will have been affected, but it will only be temporary if you follow the tips outlined in this guide.<\/p>\n","protected":false},"author":1,"featured_media":4295,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-4441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nHow to rebuild your credit after a bankruptcy? - Pierre Roy & Associ\u00e9s<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pierreroy.com\/en\/2013\/08\/how-to-rebuild-your-credit-after-a-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to rebuild your credit after a bankruptcy? - Pierre Roy & Associ\u00e9s\" \/>\n<meta property=\"og:description\" content=\"After being discharged from a bankruptcy or having completed a proposal, you will probably want to rebuild your credit. 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