{"id":203,"date":"2021-05-07T15:54:57","date_gmt":"2021-05-07T15:54:57","guid":{"rendered":"https:\/\/doyellaw.com\/?p=203"},"modified":"2021-11-10T15:28:53","modified_gmt":"2021-11-10T15:28:53","slug":"credit-after-bankruptcy","status":"publish","type":"post","link":"https:\/\/doyellaw.com\/credit-after-bankruptcy\/","title":{"rendered":"Bankruptcy Doesn&#8217;t Ruin Your Credit"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"How_Quickly_Can_You_Rebuild_Your_Credit_After_You_File_for_Chapter_7\"><\/span>How Quickly Can You Rebuild Your Credit After You File for Chapter 7?<span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662c4be801b45\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-662c4be801b45\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/doyellaw.com\/credit-after-bankruptcy\/#How_Quickly_Can_You_Rebuild_Your_Credit_After_You_File_for_Chapter_7\" title=\"How Quickly Can You Rebuild Your Credit After You File for Chapter 7?\">How Quickly Can You Rebuild Your Credit After You File for Chapter 7?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/doyellaw.com\/credit-after-bankruptcy\/#Tips_for_Rebuilding_Your_Credit_Quickly\" title=\"Tips for Rebuilding Your Credit Quickly\">Tips for Rebuilding Your Credit Quickly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/doyellaw.com\/credit-after-bankruptcy\/#Work_with_experienced_bankruptcy_lawyers_in_Sunset_Hills\" title=\"Work with experienced bankruptcy lawyers in Sunset Hills!\">Work with experienced bankruptcy lawyers in Sunset Hills!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>A <a href=\"https:\/\/doyellaw.com\/chapter-7\/\">Chapter 7 bankruptcy<\/a>, also known as a complete bankruptcy, will stay on your credit reports for ten years. But it won\u2019t take you that long to get your credit score back to a respectable level. If you take the proper steps, you can improve your credit score within 1-2 years after your Chapter 7 bankruptcy.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tips_for_Rebuilding_Your_Credit_Quickly\"><\/span><strong>Tips for Rebuilding Your Credit Quickly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you want to increase your credit score, you\u2019ll have to assure creditors you\u2019re no longer a risk. Below are some tips for keeping your credit healthy.<\/p>\n<ol>\n<li><strong>Keep tabs on your credit report<\/strong>: Use free tools that let you check your credit report frequently, so you can see what is keeping your credit score low. You should also look for any errors so you can dispute them.<\/li>\n<li><strong>Get a secured credit card<\/strong>: A secured credit card works like a regular credit card, but instead of making payments after your purchases, you pay an upfront deposit and borrow against it. All of your payments will be on time, which gets reported to credit bureaus and helps build good credit history.<\/li>\n<li><strong>Take out a credit builder loan<\/strong>: With a credit builder loan, the lender deposits the money into a savings account for you, and you can make payments over time. You can\u2019t take money from the loan until you\u2019ve finished making monthly payments.<\/li>\n<li><strong>Develop good debt management habits<\/strong>: Create a budget and learn how to track your expenses and income. You should also pay close attention to payment deadlines.<\/li>\n<li><strong>Enroll in our 7 steps to 720 Credit Score program<\/strong>: We offer all our clients enrollment in this program, which can help them raise their credit score over 700 in just 1-2 years. You\u2019ll learn tips and guidelines for rebuilding your credit fast.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Work_with_experienced_bankruptcy_lawyers_in_Sunset_Hills\"><\/span>Work with experienced bankruptcy lawyers in Sunset Hills!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A Chapter 7 bankruptcy can feel insurmountable at times\u2014it seems like you\u2019ll never recover. The experienced bankruptcy lawyers at Doyel Law will help you make the best decisions for your financial situation, so you can focus on improving your credit score. <a href=\"https:\/\/doyellaw.com\/contact\/\">Contact us<\/a> today to learn more <a href=\"https:\/\/doyellaw.com\/bankruptcy-basics\/\">about bankruptcy basics<\/a> and get your questions answered!.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How Quickly Can You Rebuild Your Credit After You File for Chapter 7? A Chapter 7 bankruptcy, also known as a complete bankruptcy, will stay on your credit reports for ten years. But it won\u2019t take you that long to get your credit score back to a respectable level. If you take the proper steps, [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2144,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[15],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/posts\/203"}],"collection":[{"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/comments?post=203"}],"version-history":[{"count":5,"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/posts\/203\/revisions"}],"predecessor-version":[{"id":2145,"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/posts\/203\/revisions\/2145"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/media\/2144"}],"wp:attachment":[{"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/media?parent=203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/categories?post=203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/doyellaw.com\/wp-json\/wp\/v2\/tags?post=203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}