A bankruptcy will typically remain on your credit report for 7-10 years from the date of filing, depending on the type of bankruptcy. However, there are a few things you can do to help improve your credit score during this time:
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Make sure the information on your credit report is accurate. If there are any errors, you can dispute them with the credit bureau.
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Pay all of your bills on time and in full. Late payments can have a negative impact on your credit score.
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Keep your credit card balances low. High balances can also have a negative impact on your credit score.
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Consider getting a secured credit card. This type of credit card requires a deposit, but can help you build a positive credit history.
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Keep your old credit accounts open. Length of credit history is one of the factors that go into determining your credit score.
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Seek professional help, credit counseling, or debt consolidation services. They can help you plan and budget your income to manage your debt, credit, and bill payments.
Credit repair companies can help you to remove a bankruptcy from your credit report. Sky High Credit Repair is based in Las Vegas, NV, but we help repair credit nationwide.