Credit Restoration Following Bankruptcy

We Can Help You Rebuild Your Credit

Following a bankruptcy, you may wonder what steps you can take to restore your credit. Although many think their credit is ruined forever, this, in fact, is not true. A bankruptcy will remain on your record for approximately 7 to 10 years, but the effects of it can start to be resolved soon after it is final. A Chico bankruptcy attorney can assist you in determining the best course of action in restoring your credit. By contacting The Law Office of Nikki Farris, we can help you with information and steps to take in improving your credit.

While your credit score will take a hit as soon as your bankruptcy shows up on your credit history, by beginning to re-establish credit immediately, this will quickly begin to improve. It is also wise to review your credit report to determine if there are any incorrect entries on it. This can greatly affect your credit rating as well. Sometimes creditors will fail to remove a derogatory remark from your record even after the debt has been discharged in bankruptcy. Our firm can assist you in contacting the firm and ensuring your report is accurate.

Fixing Your Credit in Chico and Butte County

Fixing your credit is not as difficult as it may seem. By applying for small limit credit cards or department store cards and using them sparingly, you can begin to re-establish credit. These should be used only for this purpose, and repaid in full each month. A budget should be established that will help you keep enough funds available to pay monthly debts in order to improve your credit score.

Insisting that creditors accurately report your credit history and remove all negative entries that are unwarranted can be accomplished with the help of our office. Putting all of these steps together can put you back on the path to restoring your credit.

Contact a Butte County bankruptcy attorney to discuss what steps can be taken to restore your credit after bankruptcy.