Clearing up your credit history after bankruptcy can be a long and difficult process.
Though it may seem like a daunting task cleaning up your credit after a bankruptcy is not impossible.
One of the first things you should do to start repairing your credit after bankruptcy is to pull your credit report.
Make sure that any debt that's listed but was included in the bankruptcy is listed as such.
Everything that was included in the bankruptcy must be listed as such on your credit report.
If you notice any missing items that should be listed you should open a dispute with the credit bureaus.
You should also dispute any other old or negative accounts as these may be keeping your credit score down.
You will need to dispute these accounts with each of the three major credit bureaus.
It will be necessary to send a credit dispute letter and your bankruptcy discharge papers to each bureau listing all of the items in question so that they may investigate your credit record.
This process can take anywhere from 30 to 45 days.
Each company will notify you of any items removed and any that are left on your credit history.
Once everything is taken care of with the credit bureaus it's time to start rebuilding your credit.
One of the quickest and easiest ways to get started is through the use of secured credit cards.
As indicated by its name, a secured credit card is secured by money you deposit with the credit lender as collateral.
These cards act just like a regular credit card.
If you pay on time they will boost your credit score and allow you to build other accounts over time.