How Fast Can I Start To Rebuild My Credit?

The first step toward rebuilding your credit starts with getting debt free. Are you concerned about your financial situation and curious about how to make it better? In our Free Debt Consultation, we go over all the options that you have to get out of debt and rebuild your credit worthiness. Call 210-930-7000 to schedule your Free Consultation.

Trying To Get Debt Free On Your Own?

While you are in the process of getting debt free on your own, you need to make sure that you are sending your monthly payments in ON-TIME and IN-FULL. This is the difficult part of handling the problem without professional help. If you are not, you are hurting yourself and your credit score. If you are not following the creditor’s instructions/contract, the creditor is going to charge you fees that you cannot afford and report negatively on your credit report.

IN BANKRUPTCY?

Chapter 13 - If you are in an active Chapter 13 bankruptcy, make sure that you make your Chapter 13 payment to the Trustee every month.  If you apply for credit after you have filed a Chapter 13, the creditor will most likely ask for a payment history to the Chapter 13 Trustee.  Additionally, make sure that all other creditors, such as your house, car, and any other creditor not in the consolidation are reporting your timely payments to the credit bureaus.  Some apartments and utilities will even report payments to the credit bureaus. 

Chapter 7 - After filing a Chapter 7 bankruptcy, it is most important to make sure that all of your creditors, such as your house and car, are being paid on time and in full.  Any other payment that you are making on a regular basis can also be reported to credit bureaus.  You may need to ask them to report positive information to the credit bureaus.  Some apartments and utilities will even report payments to the credit bureaus.  If you have a retained a credit card, make sure that it is paid in full every month as well.  In many cases, a secured credit card is best and easiest way to start rebuilding your credit. 

Are you still concerned? Call me!

I offer a Free Appointment so that you can receive all the information you need to make an informed decision.

Call 210-930-7000 to schedule a Free Debt Consultation.

Get Relief NOW.