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Can I Get a Credit Card after Bankruptcy?

Yes, you can get a credit card after filing bankruptcy. However, it is difficult. The Chapter 13 filers are less likely to get a credit card than the debtors who filed for Chapter 7 bankruptcy.

Because their debt is usually more before they file for bankruptcy. As a credit card for bad credit, the card above is also a card for people who have filed bankruptcy.

To improve the success rate, you should apply for it after 3 months.

Can I Get a Company Credit Card with Bad Credit?

Yes,you can get a corporate credit card with bad credit. Of course, it’s difficult. Here are some suggestions for getting business credit.

  1. Structure your business as an LLC.

A limited liability company will have its own reputation, and its reliability has nothing to do with the owner. The bad credit of the owner does not affect the limited liability company.

The application of the company credit card will be approved, including other business loans.

  1. Make your business alive.

The company’s address and telephone line will make your business credible, which will help you get credit easier.

* Alternate method: you can use trade credit if you just want to buy goods instead of holding cash.

How to Remove My Name from Credit Bureau

To remove your name from credit bureau,you can refer to this post that has been published. In short, if you’re dealing with the credit bureau for the first time, it’s not a bad idea to use a credit repair service.

The only thing you need to know – Credit bureau is afraid of being sued by people who have inaccurate credit reports as their errors, such as they erroneously list a “late payment” on your report and actually it belongs to someone else who has the same name.

They are only interested in helping the victim of their mistakes. If you’re not, then you need to sound like a victim.

Can Credit Repair Companies Help

Yes, they can help. The argument is that thing what credit fix companies can do, you can do for yourself. Of course, they are more professional and skilled. On the other hand, credit companies are more and more now, it has become a problem that how to tell them.

Bad credit companies charge you fees but don’t do anything to help raise your credit scores. The simplest way is to say goodbye to a credit repair company if it asks for an upfront fee.

How Much Will Piggybacking Raise My Score

That’s a pity, this method is invalid. Credit agencies have updated their scoring model in 2008, and the model can identify whether consumers have been added to the credit cards with positive payment histories for the purpose of improving their credit.

Before that, someone had used this method to raise his credit score from 550 to 740 in 40 days.

How Long After Bankruptcy Can You Get a Credit Card?

For bad credit, secured cards and prepaid cards are options for you. But if you want to rebuild your credit, you should choose a secured card. The issuer reports the secured card activity to the credit bureaus. On the other hand, the prepaid card will not be reported.

You can try to apply secured card three months after filing for bankruptcy. When you have an ability to repay debt and are ready to start a new life, the lender will be willing to send you a secure credit card.

Can You File Bankruptcy on Credit Cards

No, you can’t file bankruptcy on just credit cards. But you can eliminate credit card debt by filing for Chapter 7 bankruptcy. Because in most cases, credit card companies can’t get anything from Chapter 7 filers.

In 2005, federal law changed, and filers must meet two conditions. First, your income should not be sufficient to cover 25% of “non-priority non-security debt”, after exempting certain expenses (e.g. food, apparel, etc.). Second, your income should be below the state’s median you live.

If you don’t qualify for Chapter 7 bankruptcy, then you can only file for Chapter 13 bankruptcy. It is bad. You will be given a 5-year repayment plan, and you will be required to participate in credit counseling…

At last, remember to consult your lawyer after you decide to file for bankruptcy.

Bad Credit Credit Cards Guaranteed Approval No Deposit