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If you have just filed for bankruptcy you don't need to wait for 7 to 10 years for your bankruptcy filing to be removed from your credit report. You can rebuild credit right after bankruptcy. Credit repair after bankruptcy requires your self-discipline, commitment and persistence. It is a long term process but the reward is new, productive spending habits. Just follow these 5 tips to succeed:

Tip# 1 - Get a copy of your credit report from each of the 3 major credit bureaus -- Equifax, Experian and Transunion. Since each reporting agency keeps separate records of your credit history you need to make sure that your records are correct and accurate. If you find any mistakes on your credit report such as a wrong address or credit payment contact the reporting agency. They should remove the error if they fail to verify the information within 30 days.

Tip# 2 - If you find no mistakes on your credit report you cannot do anything about any unfavorable information such as your bankruptcy filing. You have to wait for it to be erased from your report after 7 to 10 years -- depending on which chapter you filed.

Tip# 3 - You need to secure a new line of credit. With some limitations you can still get a loan through a secured credit card, where you open a savings account -- as collateral -- and your bank issues you a credit card. You can charge up your secured credit card to the amount of your cash deposit. Make small purchases to keep the credit limit low so that you will be easy to pay them off every month.

Another way to secure a new line of credit is getting a car loan or a mortgage loan, where they are usually offered with higher interest rates. Lenders are willing to lend you money for a new car or house because these loans are secured loans, meaning that they will take away the car or the house should you fail to repay. To get approved for these types of loans you need to have a good steady income and sufficient money for the down payment

Tip# 4 - The best way to do a credit repair after bankruptcy is to make timely payments to all your existing bills and other debt that were not discharged -- such as student loans. In fact, by applying for a secured credit card you will be able to show to concerned lenders that you can pay your obligations promptly and regularly. And by doing so in as short as two years of timely payments, you will improve your credit rating and get better deals on new lines of credit.

Tip# 5 - Control the number of credit lines that you open. This means that you only apply for a loan or a credit card only if you absolutely need it and you afford to pay it back. Instead of borrowing money you will be developing the habit of saving money so that you don't always rely on credit to pay for your needs. You can set aside as much as you can afford every month to cover you should you experience any major set back.

So credit repair after bankruptcy should not just be about improving creditworthiness but it should also develop the habit of managing money to prevent you from making the same mistake twice of incurring too much debt. There are no shortcuts. It requires your self-discipline, commitment and persistence.

Paul Sarwana offers credit repair after bankruptcy information to help debtors build confidence in improving their financial situation. He runs an informational website that provides tips on choosing a bankruptcy lawyer Get more tips about credit repair after bankruptcy at http://www.debtfirms.com/

Credit Repair and Achieving Financial Security

Credit Repair is About Financial Health

Credit repair, in the final analysis, is about your financial health. You may start a credit repair program with concerns about the accuracy of your credit report, but in the end the real benefit of healthy credit is money in your pocket. Credit repair translates into a lower cost of borrowing, and consequently more room in your budget for saving.

Accelerate the Process

Are you ready to leave your financial stress behind? You can do this. Regardless of the current condition of your credit, a proactive approach can transform your financial life, and sooner than you think. Don’t make the mistake of believing that you are destined to spend years in credit limbo waiting for time to heal the issues of the past. An intelligent approach to credit repair will accelerate the process dramatically.

Two Basic Credit Repair Steps

There are two basic steps involved in the credit repair process. Each is as important as the other and cannot be ignored. When it comes to credit repair this balanced approach is required. Done right the results are dramatic. Are you ready to change your life, clean up your credit reports, boost your credit scores and enjoy all of the benefits that come with great credit? Let’s get started.

Understanding the Errors

The first step in the credit repair process is a methodical clean up of your credit report. Does this sound too obvious? You will be surprised. Most people imagine that if they recognize an item on their credit report it is accurate. This is far from the case. If you really want credit repair success you have to get rid of your preconceptions. An enormous percentage of derogatory information on consumer’s credit reports is reported in error.

Spotting Compliance Issues

In many cases these errors are compliance issues. Compliance issues are, by definition, based on some real event, but should not be on your report as a matter of law. Examples include duplicate accounts, derogatory information reporting beyond the reporting period limit, and collections reported by collectors whom no longer own the debt (having sold it to another collector, or returned it to the original creditor). Credit repair is about the details. And every detail matters. If you are confused you should hire a reputable credit repair service to manage the cleanup process for you.

Credit Restoration Time

The second step in the credit repair process is the rebuilding of your credit. Here also there are important details many people miss. A misstep can mean the difference between success and failure. Your credit score is determined by both the positive and negative information on your credit report. It is not enough to eliminate the erroneous derogatory information on your report. If you don’t rebuild your credit your credit repair efforts will fail. But you must rebuild it in a certain way.

The Key to Your FICO Score

You may think that if you pay your bills on time you will have good credit scores. Sadly, this is not true at all. The FICO scoring model is not designed to grade you on past behavior. Many people are horrified after a lifetime of perfect payments to discover that their credit scores are awful. This can be shocker. The FICO scoring model is a predictive model designed to measure the risk of future default and puts weight on such factors as account balances, the age of accounts, and even the type of accounts you open. Your credit repair efforts will succeed or fail based on your ability to shape your credit according to this predictive model.

Revolving Debt as a Credit Repair Tool

I suggest that you focus initially on your revolving debt. Stay away from store cards and consumer debt, such as furniture store accounts. Build your credit with MasterCard, Visa, American Express, and Discover Cards. If you don’t have any credit and can’t get a regular credit card, get two secured cards as soon as possible, and keep your balances low. A single maxed our credit card can knock one hundred points from your credit score. For comprehensive advice on balancing your credit contact a credit repair professional.

It’s Up To You

Aside from these two essential steps in the credit repair process there may be other credit repair tools that can add significant value to your efforts. Many lenders offer rehabilitation programs that can bring your accounts current and even remove the derogatory history from your report. If you have active legitimate collections, knowledge of your state statute of limitation is essential and can put you in control. Used properly credit repair can transform your credit and change your financial outlook, but you have to take action. It’s up to you. Good luck!

Copyright © 2008 James W. Kemish. All Content. All Rights Reserved.

About the Author

Jim Kemish, a nationally recognized consumer advocate, is the president and founder of Sky Blue Credit Repair, a leading credit repair service since 1989. Jim is also a regular contributor to The Credit Repair Blog, a prominent consumer resource.

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