After you've filed for bankruptcy, getting any kind of credit is hopeless due to the impact on your credit report, where it sits for ten years. Eventually though, with some credit repair help, you will qualify for a bankruptcy loan if you take the right steps.
One basic thing to do is build your credit score back to a decent rating. After you climb into the mid-600's you can qualify for things like car loans, or even mortgages. remember though that you may also have to wait two years, to demonstrate a longer time period of good credit repayment. Taking time to fix your credit after bankruptcy is key, you will see your score slowly climb. To start, you must pay all of your remaining credit on time, like clockwork. If you miss even one payment, you risk being set back to where you were before your bankruptcy. All remaining debt like student loans and loans you reaffirmed in bankruptcy will continue to appear on your credit report, so stay current.
After you are on time, you might try to apply for a secured credit card. Most banks today won't be willing to give you a credit card, since they have tightened all of their requirements. There are some lenders though who provide secured credit cards. Usually you can find them searching online. This card will require you to open an account, using cash to secure the balance on your card. Your credit limit will be equal to the balance of your deposit, usually in the ballpark of $300 at first, but you can increase this limit with good payment history. These are very expensive cards though, high fees and interest. Yet you will have one tool to start fixing your credit.
By paying your debt on time, and not missing any payments, as well as getting some small credit lines if possible to show you can repay, you will soon see your credit score climb again. Although your credit will take time to improve, you'll begin to qualify for mortgages with bad credit, or bad credit auto loans. It might take a year or two, but even the worth credit can always be repaired with time and patience.
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