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You've filed for bankruptcy, and your credit is likely as low as it's ever been. But it doesn't have to stay that way. The moment you declare bankruptcy, there are actions you can take which will immediately start rebuilding your credit.

It’s possible to raise your credit score with some simple changes. Credit scores affect insurance rates, loan interest rates, and other important financial products. A higher score can lead to a brighter financial future.

Improving your credit score can seem like a daunting task, especially if you have a low credit score or a history of missed payments or high balances. However, there are steps you can take to improve your credit score in as little as 30 days. Here are some tips to help you get started:

Your credit score affects many aspects of your life. If you want a better house, apartment, job, car, cell phone, or other modern luxuries, your credit score plays a big role in whether you can get them at all.

The information in your credit report can affect many areas of your life, so it's important to keep track of what's in it. If you find information that is incorrect for any reason, it's your job to dispute that information in order to have it removed from the report. Onlyyou are looking out for your own credit rating, so it's to your advantage to pay attention to your report.

If you have unpaid debts that have been sent to collections, it can be challenging to repair your credit while also dealing with the demands of debt collectors. However, there are steps you can take to handle debt collections and improve your credit score at the same time.

Foreclosure is one of the most harmful things you could have on your credit report. It's a big commitment that you essentially forfeit. As a result, potential lenders who see a foreclosure on your credit report often aren't willing to lend to you.

Credit repair companies and DIY credit repair are two options for individuals looking to improve their credit score and financial standing. Here is a summary of the main differences between a credit repair company and DIY credit repair:

Bank failed to provide refunds to customers and ignored fraud complaints. Citizens Bank, large, regional bank with headquarters in Rhode Island, has been fined $9 million by the Consumer Financial Protection Bureau (CFPB) for its improper handling of customer credit card disputes. The misconduct by Citizens includes improperly dismissing fraud complaints and failing to provide refunds to customers even when it was established those refunds were owed.

Credit can be a fickle thing if when you don’t understand it there are many things that can come about and bite you in the rear, leaving you with a credit mess. The best way to avoid those messes or recovery after coming out of a financial mess is to plan your financial future and set some boundaries for yourself for a better, more solid financial future.

Are those annoying debt collection calls getting to you? If a company believes you owe them a debt, they do legally have the right to contact you to retrieve that debt. However, in just 30 minutes of work, you can get them to never contact you again.

Often time's people feel as if they have no choice but to either wait for their credit to improve on its own, or seek professional help. But is it possible to do it yourself?

Q: My son asked me to cosign a loan, but I’m not sure if it’s the right decision. What are the dangers of cosigning loans for family members or others?. A: Cosigning a loan may help your son, but it may also hurt you financially. It’s a major responsibility that shouldn’t be taken lightly because late payments or default on this loan can haunt you for years.

Personal finance gurus spend a lot of energy attempting to prevent us from using credit cards, usually with good reason. Credit cards are frequently abused and are the cause of a lot of personal debt. However, credit cards bring you a lot of advantages as long as you use them wisely. In fact, credit cards are frequently a better way to pay for things.