Pay cash if possible
Surprisingly, having one or two credit cards can actually boost your credit score. The key to good credit and debt management is
knowing how to use credit wisely. Maintaining a low interest credit
card with a small balance shows creditors you can handle credit
responsibly. You should never charge items that quickly lose value, like
computer equipment and household furnishings. If you want to purchase a
big item, plan early and save up for it.
I can help you learn what you need.
Required by law, before your bankruptcy case can be discharged- which
means debts included in the bankruptcy are no longer considered
collectible- you must complete Pre-Discharge bankruptcy education. This
course lasts two hours. Topics covered include:
- Setting realistic financial goals
- Understanding your credit report
- Obtaining or re-establishing credit
- Managing budgets
- And more
Again, this course is required and only available to individuals who
have already filed for personal bankruptcy. To enroll in this class you
must provide your case number.
read more at Consumer Credit Counseling
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