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marcyjcox

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does the chapter 13 that was paid in full in 4/16 affect my credit now?

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Your bankruptcy which was paid in full will affect your credit for 7 more years (From the date of discharge).  The collections on your account and missed payments on your account which led up to the bankruptcy will also remain for 7 years.  You can start rebuilding your credit now if you were to get a secured credit card.  Manage it wisely for the next 2-3 years and some creditors will look past all the bad in favor of how you manage credit now, after the bankruptcy.  Not all, but some.  Use this time to rethink your financial situation and start putting money aside for savings so that the next time around, you have something to fall back on.

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