Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Bankruptcy
Profile Image

Question By
Spygril

0 Contributions
0 People Helped
I filed bankruptcy 3 years old chapter 7 how long before I can start building my credit

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
1 Person Helped
Most Helpful Response

Helpful to 1 out of 1 people

I filed chapter 7 six years ago and started 2 or 3 years after to rebuild my credit. I was able to get a couple store credit cards, made small purchases and paid them off within one or two statements. Capital One, Merrick and Barclay are the 3 major credit card companies who seem to be bankruptcy-friendly. I have everything set for automatic minimum payments so I know I won't miss any payments, but always make additional payments on payday. My score is good now, even though the bankruptcy is still showing on my credit report, the only thing hurting me is the age of accounts, but keeping utilization down and making ontime payments have defintely helped rebuild my credit. Good luck!

Top Contributor
5038 Contributions
1136 People Helped

You can start right now. Start by reading all that you can about rebuilding credit, the internet has a wealth of information. Get yourself a Secured credit card with a lender like Capital One and go from there.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.