All Entries in the "Credit After Bankruptcy" Category
My home was foreclosed in Jan & sold 4 much less than I owe. Can’t file bankruptcy again – can i do anything?
PLEASE someone w/sincere advice respond. Let me try to paint the picture: I got involved in too much debt around 18 yrs ancient. I thought I was helping by using my new “excellent” credit to co-sign loans etc, couldn’t keep up. filed ch 7 bnkrptcy @ 24, started to rebuild credt, got involved w/ a [...]
need some bankruptcy help…?
filing a personal liquidation and i sought after to know
if your unemployed and you make a job after the filing date do they look at your income on the filing date or everything before its final?
also if you initiation a business immediately after its discharged can they attack it?
what are the preeminent ways to rebuild?
can [...]
In debt trouble and I am one year out of Ch.7 BK, any options?
One year ago I was discharged from a the boards 7 bankruptcy and had vowed to rebuild my credit and make things better. My girlfriend had bought a car and STUPID ME I cosigned for her surprised I even got approved to start with. Nevertheless her car gets repossessed and I just make a bill [...]
Mortgage Qualification?
I had a fha home loan that i defaulted on. I later filed for bankruptcy. my bankruptcy was discharged in may 2006. i have been rebuilding my credit ever since then. my credit scores are nearly to 700. i was told i can be eligible for a new fha loan [...]
What will happen to my assets if I file bankruptcy? Details inside?
I make $49,990 yucky every year.
I have two houses. The initially one I live in. I have an 80/20 loan. 80% for 300K 20% for 80K. Ive paid the $300 (80% loan) down to $292K and the $80k (20% loan) down to $72.5k. This household is worth approximately $320k.
The 2nd household was bought for [...]
Am I able to buy a home with my situation right now?
Hello,
I had bankruptcy and recently discharged on December 2008. Aptly now I don’t have any loans apart from for 1 credit card that I obtained to rebuild my credit. I’m only using 30% and paying it off every month.
My monthly income is $1500 after tariff, and I’m able to save $400-500 per month.
There are [...]
chap 7 discharged this yr. now going back to my bank acct bal…?
is it right, after bankruptcy discharge, people can initiation keeping money in a bank? like any amount; and won’t be audited later etc.?
how soon can i apply for credit card in try to ‘rebuild’? i wonder how soon i can apply for unsecured card again…
i usually pay off w/o adding interest… fyi i filed chap [...]
Building my credit?
How long can a late payment hurt your credit? I am trying to rebuild my shattered credit due to some unfortunate circumstances. I have lates on my report. No repos, no bankruptcies, no foreclosures, my main thing is lates. But I am getting stabilized now and trying to go forward after my misfortunes. [...]
Looking to re-establish credit with Secured Loan?
After a split, and a very serious work accident two years ago (and a number of other medical issues), I declared bankruptcy last spring. I have a work. comp. case that appears to be about to settle, and I need a new vehicle.
How do people “typically” go about “starting-over” in this manner? I [...]
What’s the best/fastest way to rebuild a credit score?
I am even considering bankruptcy. In a sense bankruptcy might wipe the line up clean but I wonder if that would be more damaging than just leaving things the way they are. Thankfulness for any advice. I have heard of giving money to your bank as a secured credit card so it shows up as [...]
Is it legal for a collection to stay on your report for ten years after they get the account?
I have three questions.
1. How do you know when to pay off a collection account?
2. What steps do I need to take to make this under control?
3. Is there anyone out there that is willing to advise me through email/phone conversations?
I have collections on my credit report and I am struggling terrible with this. I [...]
Regaining my credit!?
I filed bankruptcy (here in IL) and was granted my discharge aptly after christmas of 05- I have tried to apply for a credit card but got denied. How do I initiation to rebuild my credit if no one will give me credit? Oh, and I refuse to do one of those prepaid cards. [...]
My credit report doesn’t show my auto loan. What can I do?
I still owe on my truck and after my split I was able to make the title and registration changed into my name. My ex-husband and I were both on the loan. I filed bankruptcy last year and now my credit report is not showing my auto loan. In detail it shows that my ex-husband [...]
want to know if co-signer can file for bankruptcy as well?
I am plotting on filing for bankruptcy but have two items I had a co-signer for? I have tried debt consolidation and 8months into it and having problems making the monthly payments. So now I am needing to file for bankruptcy but my auto loan and a personal loan had a co-signer. My question is [...]
credit goes away?
is it right that in 5 years unpaid medical bills disappear from your credit report?
is it right that after a certian time credit card and other debt is earased too?
i have charge offs on my credit report. when do they go away?
i want to rebuild my credit but cant make any kind [...]
Bankruptcy Chapter 13 questions.. Can I let it get dismissed and file a chapter 7 instead?
Here’s the deal: I am 3 months into a 3 year The boards 13 bankruptcy. I want to convert to The boards 7, but it is way too much for me to afford aptly now. If I fall behind on my Trustee payments (of 90.00 per month), and the Ch 13 is [...]
How long does it take to recover from bankruptcy……?
Had to file back in 2003 after split….Trying to rebuild the past year, have about six credit cards, but paying for it in finance charges some at 30% do you reckon if I call to request lower % rate they will give it to me?????? How long does it take to fall off credit report??????
Filed [...]
I am 19 years old and I filed bankruptcy today for the first time. Whats next?
I don’t want to hear negative comments about the crappy choices I have made in life.
What I do want is just advice. What should I do before I am discharged to ensure this doesn’t happen again and what can I do after my discharge to ensure it doesn’t happen again.
What will I have to do [...]
Foreclosed but 2nd Mortgage Still Billing and Destroying My Credit?
A foreclosure in the State of: CA
I bought my home in 2005 for $405,000, but a year later transferred for employment purposes. After trying everything from working with a realtor, fleeting sale companies, deed in lieu, loan modification, etc., we could no longer afford the mortgage payments in a household we no longer lived in. [...]
Does a secured credit card hurt your credit if it reports as secured?
We recently discharged from a the boards 7 bankruptcy after our business had to close. I want to rebuild my credit and went to my credit union to make a secured credit card. I was told it would report as secured. I know there are secured credit cards out there that do [...]
Has anyone heard of this thing call 321 Rebuild?
I am trying to reestablish my credit after a unwanted bankruptcy. My daughter needs a car and I’m finding it hard to make financing. I received this form in the mail about this company call 321 rebuild that states they can make you prequalified for an auto loan. I have tried to google a review [...]
Any suggestions on how to rebuild my credit?
I am divorced and it has been a year now. I got stuck with the household and majority for the bills, along with 5 kids and a very fixed income. I have child support ordered but dont always make it. So I have had my household foreclosed and in creditcard debit of about $10,000.
I [...]
Can I improve my credit without filing bankruptcy?
Before I got married we bought a household, shortly after we both lost our jobs and the household was foreclosed on, car was reposesed, and credit cards went into collections. We could not afford to file bankrupcy, we had nowhere to live and were saving our money to make into a rent household, and to [...]
I am young, desperate, and ignorant… How do I repair my bad credit?
I am 23 years ancient, I live in Southern California, I am a full time student, I work full time, I support my self alone, and I make about 1600 dollars a month. My expenses basically equal that and I live very frugal. I may have a small extra money left over in savings [...]
Rent apartment with bad credit?
satisfactory, just a few years ago, my wife and I both had FICOs in the high 700s. But then every member of our family tree tree finished up in the hospital for extended stays for different reasons in the same year. Even with major medical insurance, the MINIMUM monthly payments on our medical [...]