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How to Improve Your Credit Score

Rebuilding Your Credit Score After Bankruptcy

If you have been through a bankruptcy or a foreclosure, asking your lawyer about rebuilding your credit score is a bit like going to the doctor's office and asking when you will be healthy enough to smoke again. Filing for bankruptcy is about avoiding debt permanently — not going into debt again.

At The Law Offices of Neil Crane, LLC, we often use this analogy with our clients. As lawyers who truly care about your financial health, we aren't interested in short-term fixes. We pursue real and lasting solutions for our clients.

At our Hamden, Connecticut, law firm, we use our over 25 years of experience to create these solutions for clients. We use our in-depth knowledge and skill to guide them through financial matters like Chapter 7 bankruptcy, Chapter 13 bankruptcy, and mortgage modification. We also help our clients improve their credit scores and build healthy financial lives after bankruptcy.

It is important to realize that your FICA score is not nearly as important as your debt to income ratio or your bank account balance in determining your financial health. However, we offer many tips to improve your credit rating after bankruptcy:

  • Budgeting is key — make a budget and stick with it
  • Keep only a limited amount on your credit card
  • Get a secured credit card and pay if off every month — never carry a balance
  • Keep a credit card as credit and not as debt
  • Make down payments — do not buy houses or cars with no money down
  • Create a personalized layaway and save for large items

Credit Card Offers After Bankruptcy

After you declare bankruptcy, you may start receiving offers for unsecured credit cards after only a short period of time. Do not fall for these offers! Credit cards may be good for gathering airline miles, but that's about all they are good for.

Begin Resurrecting Your Financial Health

To talk with an attorney about your credit rating and improving your credit score, please do not hesitate to call us today at 888-249-3027, toll-free 1-800-616-DEBT, or complete our online contact form to discuss your questions and concerns with an experienced attorney.

New Haven Mortgage Modification Attorney Video

http://www.ctbankruptcyattorneys.com 800-616-DEBT How can we keep the house? If only we could lower our mortgage. Attorney Neil Crane in the New Haven, Connecticut area has the answers. Contact us for help with mortgage modification & foreclosure.

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Hamden
2700 Whitney Avenue
Hamden, CT 06518

(203) 230-2233
Fax: (203) 230-8484
Hamden Law Office

Bridgeport
10 Middle Street
Bridgeport, CT 06604

(203) 334-5555
Fax: (203) 230-8484
Bridgeport Law Office

Waterbury
58 Holmes Avenue
Waterbury, CT 06710

(203) 591-8899
Fax: (203) 230-8484
Waterbury Law Office

ROCKY HILL
750 Old Main St.
Rocky Hill, CT 06067
(860) 721-6700
Fax: (203) 230-8484

RIDGEFIELD
440 Main St.
Ridgefield, CT 06877
(203) 907-4100
Fax: (203) 230-8484

Visit Our Debt Relief Website

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.