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Credit Repair
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Does a credit repair company helps you improve your credit?
I been destroyed after this bad economy we went through.
My business went from heaven to hell, and I lost it all. Just got out of chapter 7 back in January.
Will a credit repair company help me anyhow? Does anyone knows a good one for a reference.
Let me know.
You can do all any credit repair company can do for yourself. All you need is knowledge. A bankruptcy is not the end of the world. Actually some creditors may look favorably (but cautiously) on it as your debt load is removed. If you have some sort of regular income and can handle your necessary expenses comfortably and show it you can rebuild your credit rather quickly. My chapter 7 discharge was in Dec
2010 and I now have a score of 686. It seems that every bankruptcy has a bit of a different story. In mine
my car loan was kept out and I paid that off. I additionally had a store card that was at a zero balance so it was also not part of the bankruptcy. In time I started using that card sparingly. I mostly concentrated on paying utilities and the cell phone on time. The addition of good credit as soon as possible is what is needed for the road to rebuild. When I decided to try for a secured card (orchard bank) they didn't even require the security. I was just given a low limit that I'm sure in time will be lifted with timely payments.
I know others that have lost businesses, but in time if you are a survivor you will pick yourself up shake off the dust and start again. Good Luck!!
CREDIT REPAIR FACTS: info from the Credit Secrets Bible
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