Credit Repair after a bankruptcy can be highly effective. Most of the time a person’s credit report is pretty messed up after a bankruptcy because a lot of the creditors will keep reporting balances on accounts that were rolled up in the bankruptcy. When you dispute these items, the creditors will have to update the balances to zero. Often, the creditors will not even bother to react to these disputes since they know they cannot get any money from you even if they opt to respond.
Too often I have heard stories from customers who have had a bankruptcy where their lawyer informed them that didn’t need to do any form of credit repair. This may be true some times. However, I have not seen it happen very often. Generally, creditrepair is actually a necessary step.
Get an up-to-date copy of your credit report and find a sample to create your own credit dispute letters from to mail out for every account that is still showing a balance. I must repeat: do this for yourself! It is easy and there is no sense in hiring a CreditRrepair service to make a bunch of letters that you could actually make for yourself.
Once you have sent out the credit repair letters, you have to start considering establishing new credit. I know you may be reluctant to do this, but trust me: it is important that you re-establish your positive credit profile again. The easiest thing to do is to acquire a secured credit card. You will find some great offers for these on CreditBlossom.com under Credit Building Tools. You’ll at the same time have access to the Credit Repair Letter Wiz™ available on that site, which will enable you to create your dispute letters in a matter of minutes. This site brings all the creditrepair essentials together in one convenient place. Plus, it’s completely free to the public!
