Repair Your Credit

St. Louis Repair Your Credit Attorney

Kirkwood Post-Bankruptcy Attorney

It is natural for you to be worried about how your life will be after you file bankruptcy. However, do not allow worrying to keep you from taking a proactive approach to your post-bankruptcy life. Learn what steps you need to take to repair your credit and then take them one at a time.

At The Law Office of James B. Day, LLC, St. Louis credit repair lawyer James B. Day has the experience and knowledge required to help you get back on your feet and get a fresh financial start on life. Whether you have been granted bankruptcy under Chapter 7, Chapter 11 or Chapter 13, we know how to seek credit repair in your situation. Contact our law firm to learn more.

Credit Repair Is Not as Difficult as You May Think

We stand by one basic mantra when it comes to credit repair: You have to have credit to get credit. What does this mean? For starters:

  • Get a credit card. Creditors are willing to provide you with credit almost immediately after you have gone through the full bankruptcy process. They may charge high interest rates and provide you with small lines of credit, but this is still credit, and it will help you in your search to repair your credit.
  • Pay your bills on time. Just as paying your phone bills and rent payments are important, it is also important that you pay your credit card bills on time. Early or on-time payments greatly increase your credit score, especially if they are paid on time on a monthly basis. A good way to ensure you pay your bills on time is to set up automatic monthly payment plans.
  • Participate in activity that is reported to the credit agencies. Opening a new line of credit, buying a car, making on-time mortgage payments and other similar actions all get reported to the credit agencies. These actions can help to repair your credit and increase your credit score.

Contact The Law Office of James B. Day, LLC, in St. Louis, Missouri

Our law firm can help you understand how to repair your credit after bankruptcy. Contact us to schedule your free consultation by calling (314) 786-1218.