After you finish your bankruptcy, you’ll experience a very overwhelming sense of relief.  You’re opening a new chapter in your life.  You’re now situated for a new beginning financially.  However, before you’ll be able to really get going in your fresh financial life, you’ll need to start the process of rebuilding your credit.  Thus, the first thing you’ll need to do after bankruptcy is to acquire a copy of your credit report.  Once you receive your credit report, you’ll need to make certain it doesn’t contain any of your pre-bankruptcy debts.

According to federal law, you can get a free copy of your credit report at least once a year.  Contact the three leading credit reporting agencies, TransUnion, Equifax and Experian, to get a copy of your free credit report.  After you get your report make sure you go over it very carefully.  You should pay specific attention to any lists of any debts that you had prior to filing bankruptcy.  All of your pre-bankruptcy debts must be taken out.  But, it’s very common for people to find those old discharged debts still entered in their credit report.  If you detect any of those old debts in your credit report, you’ll want to write a letter to the credit reporting agencies asking them to get rid of the inaccurate listings. 

Bankruptcy does indeed lower your credit score.  But, following bankruptcy you can rebuild your credit.  One of the most important steps to rebuilding your credit after bankruptcy is making the time to get rid of pre-bankruptcy debts in your credit report.  If you’ll just commit some time to acquiring and reviewing your credit report, you’ll be able to better your credit score after bankruptcy.  As a matter of fact, if you’ll adopt the steps named here, you’ll be able to entirely rebuild your credit after bankrtupcy .

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