Credit Reconstruction

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Credit Reconstruction After Bankruptcy

After the difficult and complex process of bankruptcy, debtors often wonder when they will stand back up on their feet again. Despite how bleak your financial condition might seem, with time you can be financially secure. After filing for bankruptcy, your credit rating will definitely be affected, but there are things you can do to once again establish your credit.


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Credit After Bankruptcy

A consumer credit report stores information about bankruptcy for seven to 10 years. However, it is possible to have good credit ratings before then.

The longer you maintain good standing with your creditors once your bankruptcy is completed, the better your chances will be of establishing good credit. You may experience higher interest rates when financing cars or houses after the bankruptcy, but this depends on each individual creditor and their policies.

A dismissal is the termination of the case without either the entry of a discharge, or a denial of discharge. After a case is dismissed, the debtor and the creditors have the same rights as they had before the bankruptcy case was commenced. Dismissal is the penalty for many minor infractions of bankruptcy procedures.

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If you’re interested in learning more about credit reconstruction after bankruptcy, contact the Cook Law Firm today.

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