Examine your credit report thoroughly. It is very important that you order copies of your credit report 60 days after your bankruptcy proceedings have been completed. This will give you the opportunity to check if indeed your credit accounts have been completely discharged. In case you discover that some of your debts have been retained in your credit file, then you have to file a letter of credit dispute with the firm that supplied you with the erroneous credit report. This way, the employees of the crdit bureau can investigate your claim and make the necessary adjustments to your credit profile.
Make prudent and complete payment each month. To fully rebuild your credit history, you need to settle your remaining financial obligations, completely. The easiest way to do this is to simply pay your monthly installments on time and in full each month.
Apply for and manage a secured credit card responsibly. Remember that secured card programs are effective tools that can help consumers, like you, in managing their personal finances responsibly. The reason for this is that secured credit cards have pre-set spending limits that will surely prevent consumers from indulging in lavish shopping sprees. It is also noteworthy that responsible use of secured credit cards are normally reported to the three credit bureaus. So, if you wish to receive better credit ratings, we encourage you to apply for a secured credit card immediately.
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