Home > protect credit rating > Bad marriage forced me into bankruptcy. I am out of it now and am desperate to rebuild my credit rating.?

Bad marriage forced me into bankruptcy. I am out of it now and am desperate to rebuild my credit rating.?

Wednesday

My ex was irresponsible. Had an affair and left me with $70K in joint debts and 3 children I chose to pay off the joint debts to protect my credit rating but after a few years it became impossible and I applied for bankruptcy. The bankruptcy ended in Oct 2008. I now wish to rebuild my credit rating and dont know how and am too afraid to approach banks for a small credit card. Any suggestions?

You should wait until January of 2011. If you’re employed at least 18 to 24 months and have $500 in a savings account, perhaps you can get a secured credit card. Most banks should be able to set it up for you. Make sure they belong to the credit bureau.

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  1. madamsmall
    August 5th, 2009 at 13:39 | #1
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    It hasn’t been long enough since the bankruptcy for much to help unfortunately, but you can always request a secured credit card from your financial institution, or get a secured loan to set up a new payment history being reported. Of course, always pay on time, every time. It will take quite a while to recover from this unfortunately.
    References :

  2. Michael T
    August 5th, 2009 at 14:14 | #2
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    Unfortunately you are probably going to have to apply for a secured credit card to start rebuilding your credit. Make sure it reports to the credit bureaus.

    http://www.credit.com/products/credit_cards/secure.jsp
    References :

  3. stan c
    August 5th, 2009 at 14:46 | #3
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    You should wait until January of 2011. If you’re employed at least 18 to 24 months and have $500 in a savings account, perhaps you can get a secured credit card. Most banks should be able to set it up for you. Make sure they belong to the credit bureau.
    References :
    Retired bill collector 35 years

  4. dark
    August 5th, 2009 at 15:36 | #4
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    this is a free credit card that anyone can get regardless of your history and you can build your credit and pay bills rent cars and much more happy spending

    http://sites.google.com/site/creitditadv…
    References :

  5. Bill
    August 5th, 2009 at 16:18 | #5
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    Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.hotusa.org
    References :

  6. Anushka
    August 5th, 2009 at 17:07 | #6
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    Check it out here. It’s an excellent site with some wonderful options for you. It will definitely help you. Have a look.

    http://bankruptcy-info.we.bs/

    http://credit-info.we.bs/
    References :

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