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Bouncing back quick after bankruptcy

While it is true that bankruptcy can devastate your credit, fortunately, the fallout from bankruptcy does not have to be permanent!  By carefully rebuilding your credit, you can once again qualify for decent rates and possibly even a mortgage in one to two years.  Almost anyone can receive credit soon after a bankruptcy if they just know how!

You could once again be qualifying for loans with good terms and rates, long before your bankruptcy is deleted from your credit report.

If you have recently filed bankruptcy, here are two things that you need to know:

    * There is no "forever" in credit.  Though a bankruptcy can legally stay on your credit report for up to a period of 10 years, its affects on your score can begin to lessen the day your case is closed.  As long as you adhere to responsible credit habits like paying your bills on time, not applying for too much credit at once and using a small portion of your available credit, you can quickly begin on the road to healing your credit record.
    * You need to get and use credit to build your credit score again.  Though living a cash-only lifestyle may be a good choice for those people who have trouble handling credit responsibly, you will need to use credit again if you want to rebuild your score in a timely manner.

One major problem that people coming out from bankruptcy commonly face is that their credit reports often show accounts as being open and overdue – when in actuality they were closed and all obligations wiped out as a result of the bankruptcy filing.

If you are someone who encounters this problem, you will need to contact the credit bureaus and be adamant about the fact that those accounts be reported as "included in bankruptcy." This is the only way for your credit to recover.

If you happen to have other serious errors on your report, those will also need to be corrected. Your credit score is based on the information on your credit report, so mistakes on your report can severely hurt your score.