line of credit after bankruptcy

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Borrowing after Chapter 13 bankruptcy. If your credit improves after filing for Chapter 13 bankruptcy and you have equity in your home, you can explore the possibility of getting a home equity loan; however, make sure that it won’t affect your ability to make your chapter 13 debt payments on time every time.

Opt for an unsecured credit card. If credit card debt is what got you and/or your company into financial problems in the first place, you may be hesitant to apply for yet another line of credit. However, you shouldn’t shy away from credit cards after bankruptcy.

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Yes, you can apply for credit cards after going through bankruptcy, although it may be difficult to qualify for the kind of credit cards you want. After bankruptcy, you will almost certainly have to pay higher interest rates and other fees, if you qualify at all especially if your bankruptcy was recent.

Rebuilding Your Credit After Bankruptcy 1. Pay your bills on time. Duguay and Cunningham agree that paying your bills on time is. 2. Know that not all cards are created equal. After a bankruptcy, you may want to use a debit card. 3. Diversify your credit. Adding an installment loan can diversify.

What most people worry about after a bankruptcy is how it will affect their credit. When business owners file for bankruptcy, not only can their.

The credit world makes a distinction between the two as you might imagine. Under current regulations, a Chapter 13 bankruptcy will remain on your credit report for up to seven years after the date that you file for bankruptcy protection. A Chapter 7 bankruptcy will remain on your credit report for up to 10 years.

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San Antonio-based mexican food-maker papa Grande Gourmet Foods, which sells products under the brand name Andy Garcia Foods, has filed for bankruptcy protection. a month for an equipment loan and.

There is no rule against such an application. You just have to find a bank that will accept your application. BTW, you are not such a bad risk. After all, you can’t file bankruptcy for 8 years. The loan will also depend on whether you still have a mortgage on the home and how big that mortgage is.

Before banks will trust you with a line of credit of your own. If you’re just building your credit history, or rebuilding after a bankruptcy or charged-off debts, then consider your application.