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When Can You Start to Rebuild Credit After Bankruptcy?

Filing for bankruptcy can be a tough financial decision. It can also have a long-lasting impact on your credit rating, making it hard to open new lines of credit or qualify for a loan in the future. But that doesn’t mean you should give up. There are ways to rebuild your credit score even after bankruptcy and get back on the road to financial stability.

The Bay Area bankruptcy attorney at the Law Offices of Melanie Tavare helps people struggling with debt to clean up their financial lives. Attorney Melanie Tavare assists with filing for bankruptcy and rebuilding credit after bankruptcy.

Tips on Rebuilding Your Credit After Bankruptcy

The first step in rebuilding your credit is understanding how long it will take before you can start seeing positive changes in your credit score. Generally speaking, it takes about two years for your credit to begin improving after bankruptcy, but that is not set in stone—it all depends on how much time and effort you put into rebuilding your credit during that period.

There are several steps you can take immediately following bankruptcy to get started on the path to recovery, such as:

  • Check for errors or inaccuracies in the credit report. First of all, you should request a copy of your credit report and dispute any errors or inaccuracies that may be present.
  • Establish new accounts. You can also begin establishing new accounts with small limits so that lenders see that you are responsible when it comes to borrowing money. This will help build trust with potential lenders and show them that you are serious about taking control of your finances.
  • Make payments on time. Once you have established a few new accounts, it is important to make sure all payments are made on time each month—this is one of the most important factors when it comes to rebuilding a good credit score.
  • Avoid maxing out your cards. In addition, try not to max out any cards or use more than 30% of their total limit. This will keep your utilization ratio low and increase your chances of being approved for larger lines of credit down the line.
  • Pay off balances in full. Try to pay off any balances in full each month—this will show lenders that you are responsible with money and will help reduce debt quickly while keeping interest rates low.

Finally, keep tabs on your progress by regularly checking your credit report and comparing different offers from various lenders so that you know what kind of terms they offer and which ones might fit best with where you currently stand financially.

Contact the Law Offices of Melanie Tavare for a Case Review

It is possible to rebuild a good credit score even after declaring bankruptcy, but it will not happen overnight—it takes time, effort, and dedication to build up trust with potential lenders again, as well as establish yourself as someone who is financially responsible and trustworthy when it comes to handling money. With enough patience and determination, however, you can regain control over your finances once again and work towards achieving financial stability for years down the line.

If you want to learn more about rebuilding your credit after bankruptcy, contact the Law Offices of Melanie Tavare. Our bankruptcy attorney helps clients file for bankruptcy and provides post-bankruptcy assistance to help rebuild credit. Call 510 255 4646 to schedule a free consultation. 


"Melanie is the best she very responsive and helpful throughout the process everything was taken care of smoothly. If you are thinking of going through bankruptcy she is the best attorney for you. I will forever be grateful having the chance to work with her. She is very honest too."


"I can't thank Melanie enough for helping me through a challenging process and doing so with incredible knowledge, professionalism and tenacity! She went to great lengths to keep me informed, she responded quickly to my questions, and communicated in terms that I could understand. I highly recommend getting in touch with Melanie should you have the need."


"Choosing to work with Atty. Melanie has been one of the best decisions I've ever made. She was a very patient professional to work with and attentive while providing valuable solutions to all of my concerns. If you are searching for of an Attorney who is knowledgeable, transparent, and diligent - well that's Atty. Melanie."


"What I liked about working with Melanie was how prompt and easy to work with she was. She made the process clear and understandable with as little stress as possible. I would work with her again and recommend her to others."