Many people want to know how long they have to wait before re-applying for credit after bankruptcy.  While one can apply for credit as soon as their bankruptcy has been discharged, most creditors will not approve applicants with a recent bankruptcy on their credit report for a line of credit.  Some even include clauses in  … Read more

As one of the most important aspects of your financial life, poor credit can easily drag you down and make obtaining financing difficult. Whether you have suffered a financial hardship that resulted in a bankruptcy, failed to make your payments on time for a few months or carry several high balances, your credit could most  … Read more

Good credit may seem like a no-brainer for most people, but to some it can seem like an unreachable goal. Anyone who has experienced trouble with debt or bankruptcy knows that keeping your credit clean is a daily challenge, but one that will win in the end. Fighting For The Future If you have suffered  … Read more

Credit card debt is consuming our lives. Whether economic pressures have lead you to need credit to cover your monthly expenses, or you simply overspent, credit card debt is becoming a problem for many Americans. Luckily, there are ways to find the right credit for your position in life that can make or break your  … Read more

Finding credit again after bankruptcy is not as hard as you might think. Numerous creditors offer cards to consumers after a bankruptcy and may even prefer them as a target base. Why? Because these cards and lines of credit are often packed full of unfavorable terms and carry higher than average interest rates, meaning more  … Read more

Credit concerns are one of the most common worries that people have when they enter the bankruptcy process. Not realizing that the bulk of credit damage is already done when they miss a payment or default on their account, many people assume bankruptcy itself is what complicates their future of credit. While filing for bankruptcy  … Read more

As the most important aspect to securing loans and credit, your credit score is valuable. In order to present yourself as a responsible borrower, you must have a good credit score and positive credit standing. There are a few credit traps that people fall into that cause them to miss out on great financial opportunities.  … Read more

The credit score. Something we all dread checking and most of us find disappointing. The one thing that is true of everyone’s credit score is that it takes time and effort to improve when it is down. Unfortunately, there is no easy fix for damaged credit. Whether the your accounts are delinquent or recently resolved  … Read more

For most young adults, college is a time of learning and growth. Unfortunately, this new found freedom also comes with some times of poor judgment and mistakes.  College students are quickly moving up the ranks as one of the fastest growing demographics for personal debt burdens. Endless credit card offers, tight finances and spending temptations  … Read more

Debt troubles can extend far beyond a dwindling checking account and bills piling up. Often your credit report is the first place to take a hit when payments are missed and accounts become delinquent. After a debt negotiation, settlement or bankruptcy has been completed many people are left with the task of rebuilding their credit  … Read more