IMPROVE YOUR CREDIT SCORE

Helping Phoenix Debtors Eliminate Debt Through Bankruptcy

How to Rebuild Credit After a Bankruptcy

infographic: improve your credit after bankruptcySome people believe that your credit score is the mark of your financial reputation: a 3-digit number that can have such an impact on your life!

Is it possible to reestablish credit after filing bankruptcy?  The answer is yes.  You’ve already come to terms with your unmanageable debt and taken control of it by successfully filing for bankruptcy.  Now that you have your financial slate wiped clean, it is time to move forward and prepare for an improved financial future.

In fact, many debtors who have completed the bankruptcy process are concerned about what kind of hit their credit and credit score will take.  If bankruptcy was the best option for your debt relief, that decision was probably made knowing there would be some work to do to rebuild your credit after receiving the discharge.

You do not have to give up on your dreams of owning a house, renting a better apartment, or buying a car.  Instead of allowing bad credit to follow you, reclaim and recover your credit so that your financial and life goals may be a reality.

That reality is this:  many of our clients have improved credit after bankruptcy.  In order to boost your credit, you have to understand the steps to make this happen, and Phoenix Bankruptcy Attorneys will help.  After getting instruction and information and the confidence to rebuild your credit, you have to make it happen.  Like everything else in life, if something is a priority, the steps must be taken to successfully rebuild your credit.

CREDIT RECOVERY

Phoenix Bankruptcy Attorneys has partnered with 720 Credit Score, a leading credit recovery company.  We also offer a program that is solid education in credit score rehabilitation.  Clients who follow this step-by-step format typically see a 720 credit score within 1-2 years of filing for bankruptcy. 

What the 720 Credit Score  program offers a plan to improve credit:

  • Learn about the utilization rate and how it impacts your credit score
  • What actions to take to make creditors pay attention to your new, positive credit activity
  • What accounts you need to have on your credit report:  what type and how many
  • New credit cards:  how to use them to effectively improve your score.
  • Ensure that your pre-bankruptcy filing debts are being reported correctly and removed.
  • Instructions to follow and implement to help rebuild credit.

Good Credit is Important

Why is it so important to rebuild your credit?  By having good credit, you are able to get reasonable and fair interest rates, which means saving you money.  We also understand that credit scores are important, and so are your future financial goals.  Also, we believe in helping our clients with their financial life after bankruptcy.  Plus, we highly recommend and endorse the credit rehabilitation program we offer through the 720 program.

Additionally, Phoenix Bankruptcy Attorneys law firm can make this program available to you.  This credit education program will help any client who may struggle with credit matters, and who wishes to achieve a higher credit score.

The truth is, that many people have a poor credit score, and they don’t even have a bankruptcy on their report!  You, on the other hand, have eliminated your debt and dealt with your financial issues.  So the stress of any debt burden is gone.  Now you just have some work to do to repair and renew your credit and you will be closer to accomplishing your financial goals.

CREDIT RECOVERY

It is not impossible to rebuild your credit after a bankruptcy.  Before bankruptcy, your credit score may have been suffering because of debt.  Now, you have the power to improve.  In fact, you know exactly where you stand and you now have your head above water.  In time, you will have rebuilt your credit.

The program will educate clients the answer to rebuilding credit.  This includes opening new lines of credit, and paying bills on time. Credit companies consider no credit to be equal to bad credit.  By obtaining new credit and using it responsibly, they can get new information about your spending.  They will pay attention to your recent activities and will observe that your financial actions show you are on your way to improving your credit record.  Of course your credit report will reflect your bankruptcy, but it will also show the new responsible activities.

720 Credit Score program, as part of your plan to rebuild credit, will give you more specific information and instructions on opening new lines of credit.  720 Credit Score is more than just advice, it is a course designed to teach you what to do, and help you follow through with the implementation. 

Another key to improving your credit:  never, never, (never) make a late payment again.  Paying your bills from here on out on time and in full indicates that you are not a credit risk.  Making a budget and sticking to it is an important step.

CONTACT PHOENIX BANKRUPTCY ATTORNEYS

Our bankruptcy law firm can help you rebuild your credit through 720 Credit Score.  This is really an amazing tool that has assisted clients on their financial journey.  We believe in our clients.  Also, we don’t want to just get you through a bankruptcy and shove you out the door.  Because of our extensive experience filing bankruptcies in Arizona, we understand that our clients need help after the process is over. There is life after bankruptcy.  We can help you on the road back to recovery.

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Bankruptcy Lawyers in Phoenix, Arizona

Being in debt causes anxiety.  Phoenix Bankruptcy Attorneys are to help ease the anxiety.  It does not matter if you are facing a foreclosure, a repossession, or have incurred insurmountable credit card debt, give Phoenix Bankruptcy Attorneys a call at (480) 263-1699.

Are you struggling to make ends meet? Do creditors harass you over the phone and through the mail? Does your financial future seem hopeless?  If so, there is a solution to your problems!  Our Phoenix Bankruptcy Lawyers offer free consultations and debt evaluations.  Find out what types of debt relief are available and which form of debt relief may be the most beneficial for your particular situation.  This affordable bankruptcy attorney in Phoenix can help you achieve the financial freedom you seek.  Become debt free!

In today’s difficult times, many people are finding it very difficult to keep up with their financial  obligations.  In fact, more and more people throughout Arizona are losing their jobs or getting their hours and paychecks reduced, resulting in an unexpected loss of income. Creditors’ Lawsuits, car repossessions, wage garnishments, and constant collection attempts are just a few problems plaguing individuals, families, and businesses in Phoenix and surrounding communities.  Additionally, many homeowners are in foreclosure after experiencing a job loss, decrease in pay, and/or an increase in their monthly mortgage payments.  No matter what type of financial problems you are facing, a debt relief expert can help you figure out the best solution to your problem and will work to give you the “Fresh Start” that you deserve. Call (480) 263-1699 for a free consultation (Either in one of our Phoenix area offices or by phone, Your Choice!)

Free Consultation with a Bankruptcy Lawyer in Phoenix

Lastly, we offer free bankruptcy consultations in one of our Phoenix area offices and initial evaluations by telephone with one of our experienced attorneys.   By all means, call us today and set up your free consultation.   For example, maybe you are facing a foreclosure, a repossession, or have incurred insurmountable credit card debt.  Our attorneys can go over these issues with you locally here in Phoenix and let you know whether bankruptcy is a good option for you.  Remember, bankruptcy is only one option, and an experienced bankruptcy lawyer can develop comprehensive and creative solutions to your debt problems.  Bankruptcy is our business, let our years of experience and know-how work for you to get you the debt relief that you are seeking.

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    DISCLAIMER: The information you obtain at this Arizona Bankruptcy Law web site is not, nor is it intended to be, legal advice. You should consult a Phoenix lawyer for advice regarding your individual situation. Our Arizona Bankruptcy lawyers and staff invite you to contact our Arizona Bankruptcy Law Firm and welcome your calls, letters, and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.  Thank you for visiting our Phoenix debt relief web site.
    Our Phoenix bankruptcy attorneys are located in Phoenix, Arizona, and serve bankruptcy clients in Scottsdale, Phoenix, Glendale, Gilbert, Queen Creek, Tempe, Mesa, Chandler, Pleasant Valley, Avondale, Cashion, Casa Grande, Surprise, Prescott, Marana, Tucson, El Mirage, Peoria, Sun City, Sun City West, Tolleson, Youngtown, Sedona, Flagstaff, and Pima, Pinal, and Maricopa County.