Rebuilding your credit score to 720 or higher after filing for Chapter 7 or Chapter 13 bankruptcy takes time, strategy, and disciplined financial habits. Here’s how you can start the process effectively: 1. Review Your Credit Reports Get free copies of your credit reports from AnnualCreditReport.com. Check for errors, such as discharged debts still marked […]
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One late payment can drop your credit score by 40-100 points, even after rebuilding. Your payment history makes up 35% of your score, the biggest factor. Even if it’s just one day late, credit card companies and lenders may report it. A single late payment can stay on your report for 7 years. The best […]
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helping good people with bad debt
helping good people with bad debt
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