| Bankruptcy will always be the most negative thing on | | | | maybe even in collections. You will need to dispute |
| a credit report. It will have a major impact on your | | | | them to get them to report accurately. It may also |
| score but it can be offset by what is left on your | | | | take several disputes to get that corrected. |
| credit report. It is important that you work to correct | | | | It is critical that if you have filed bankruptcy recently, |
| what is on your credit report and what caused you to | | | | then you should begin to rebuild your credit as soon as |
| file bankruptcy. | | | | possible. Start by opening a small credit account |
| The number of accounts included in your bankruptcy | | | | (secure account if necessary) and build your credit. |
| will also cause greater damage. The bankruptcy can | | | | Only apply for credit that you need and don't open too |
| be listed on your credit report for up to 10 years. Each | | | | many accounts. |
| account that you have listed in the bankruptcy can | | | | Do credit repair on your credit history on anything that |
| also be reported on your credit report. Those items | | | | is not reporting accurately. Then keep up all accounts |
| should also show that they were included in the | | | | by paying them on time and in full. This will help rebuild |
| bankruptcy. Many times those accounts don't get | | | | your credit and you will see your credit score rise as |
| updated so they show that they were charged off or | | | | those bad accounts get older and older. |