What can I do to raise my credit score after bankruptcy? Its been three years since I filed.?

OK, here is what u do. I filed about the same time you did and my score is 670 and rising. I got a Aspire Card about 3 years ago right after and pay on it faithfully, then I got a Orchard and have kept paying on that. Do that and it will go up i promise u that.

But do one more thing for me go to Annualcreditreport.com and pull all 3 of your report 90% of the time when you file bankruptcy it is like everyone in the business industry feels like they can screw up your credit report. There will be alot of things that were on your bankruptcy that still say you owe them, them will u will have to dispute by mail and mail them a copy of your Discharge papers. Then there will be alot of duplicates maybe under different names so don't go by names go by account numbers, I found 3 of the same on one report. Then after you do that do it again and again and again and you will still find more things wrong. I am still finding them, it is very scary but I guess the price you pay for filing (not like we didn't fell bad enough about ourselves for having to do it to begin with) If you need any help let me know i will be glad to help kind of like an obsession with me now :) Jodi_lynn_124 is my yahoo messenger

I went bankrupt a year ago. I have a score of 650 which is a fair rating yet not good enough to get a good deal on a card but good enough to get a card just the same.

1) Get copies of Equifax, Experian and Transunion credit reports. All discharged debts by law have to show $0.00 balance. I found that all of them on my reports still showed balances. Use the dispute option and demand that they show $0.00 balance. Most will be corrected in 30 days. Of those that don't show $0.00 you will have to send a copy of your Bankruptcy discharge sheet and also the sheet that shows you included disputed discharged debt. One super neat thing I noticed was that almost all of the bad debt was not only $0.00 balanced but actually deleted. I did ask the 3 major credit reporting companies to make them $0.00 balance and delete them. It worked pretty well for me and my score jumped 50 points almost instantly.

2) Get at least two credit cards (Capital One is best). Hopefully non-secured. Instead of using debit card for purchases use a credit card. Debit cards will never help your score.

3) Always pay off the whole balance every month and never pay any interest. Use your cards for everything! Most card companies have a 20 day grace period before charging interest on purchases only, not cash advances. It will take two years of good paying to get your score moving up.

4) Take out a couple loans . One being a car loan and the other a secured loan. It can be for $1,000.00.

5) Never be late on anything. The longer the credit history the higher your score, as long as you are always on time, even with a bankruptcy!

6) I wish you all the luck!

Get a credit card that works like a debit card. There are all types out there with different load limits. Everyone is gauranteed to get excepted and they don't ever bother checking your credit. When you get it put money on it. As long as you never try to spend money that isn't there and keep the minimum on the card, you'll be in good standing. Almost all of them report to all three major credit burues.(sorry about spelling)..:)

Most of them come with a cash advance option. Just make sure the money is there when it's due to be paid back and they report it as a good credit rating.

Try getting cards that are eay to get like walmart and such. just use it for something small that you are guarenteed you can pay back. Just having one lets anyone who checks your credit know that someone else thinks your worthy of having an open credit line.

Don't take this as me saying get every card you can get. Credit cards are nice to have but so often misused. Most of the population has credit card debt. Use them wisely and they can help you.

Used to be that you had to wait seven years, but I think that's changed now. And obviously you have had to make some form of restitution for the debts. My husband and I had to declare personal, business and exectutive bankruptcy a few years ago, because his business went belly-up, and he was president of his own company. If we couldn't satisfy our creditors on a business level, they would come after us on a personal level. As it was, they were able to sell off some of our assets. Over ten years later I went into a store to ask for credit, and they STILL had the records, and I was refused. Then later, the store, which was a major dept. store went belly-up after 125 years in business!!!!

But I don't know about time limits now, and I would think that there must be a small business where you could begin establishing yourself with a small amount of credit, and start from there. It will be a long time though.

Any time you file for bankruptcy, it's going to ruin your credit and stay that way for a few years.

But there are ways that you can overcome some of these problems. The very best source of Information is in the link below. Lots of articles and advice.

Unfortunately you'd have to wait another several years because with bankruptcy it screws you over in the credit rating for a long time.

If you don't have one, obtain a secured credit card from your bank or credit union with a manageable credit limit. You can set your own limit. Pay it on time and better yet, pay the full balance off every month. There is life after BK, it is just a matter of paying your bills on time.

You should try to get the "secured credit cards". Use these to build up your credit history till you come to point where you get regular credit cards ..

Good luck ..

Here are some info which would help you imrpove your crdit score:

Credit Score

http://www.debt-loan-refinance-mortgage-credit.com...

How to Clean Up Credit Report

http://www.debt-loan-refinance-mortgage-credit.com...

3 years won't cut it

you need a lot longer than that