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you have got a bankruptcy lately ?

You want to fix this problem from the beginning ? this article may contain some solutions. stop thinking you can't fix your credit, it looks hard to recover from bankruptcy but put in your mind everything can be done. there is a lot of stories about some people had a bankruptcy and recover from it after struggle. improving your credit score need from you to follow some steps and you should know the start line to get to the finish.

5 ways to repair your credit

if you want to live stable financially life with no more bankruptcy you should be ready and able to some hard work. this is some of what you need to do

1- credit account is important

after a bankruptcy a lot of people start using only cash. despite that will not repair their credit . to improve your credit account you should have a credit account reported to the credit bureaus in good standing each month. you have to show to those bureaus that you can manage your accounts. there is a problem which is the approving that is hard sometimes .

2- secure credit card is better

because it is so difficult for a traditional credit card to be approved. the secure credit card is the solution . it’s a great tool to start rebuilding your credit and you should know that some secure cards do not report to the three major credit bureaus , so you need to find a secure card that report every month.

3- be wise in using credit

after having opened active credit accounts ,you have to use them wisely . make sure your credit card is active and use to make small purchases at least one per month. you also need to pays your full bill every month on time , doing this is in order to show to the credit bureaus that you are being responsible with your accounts , after that your credit score will start to rebound .

4- bills should be payed on time

overdue bills are a threat because they are reported to the credit bureaus and you should avoid that by paying all bills on time . it looks so simple to pay your bills on time but a lot of people miss that. to be sure you don't forgot a payment , you can use those phone apps that helps you to remember and you pay it on time.

5- beware scammers

finally , put in your mind you can't rebuild your credit without hard work and financial discipline. do not believe scammers who will tell you they can rebuild your credit for a fee.