This page was written, edited, reviewed & approved by Emil J. Fleysher following our comprehensive editorial guidelines. Emil J. Fleysher, the Founding Partner, has 15+ years of legal experience as a bankruptcy attorney. Our last modified date shows when this page was last reviewed.
Rebuilding your credit and enhancing your credit score can be a gradual process that takes time. Generally, it takes about a year after bankruptcy to reach a credit score of 700 or higher. However, this timeline can vary depending on a variety of factors, including:
It's important to note that while bankruptcy will remain on your credit report for up to 10 years as a public record, you can qualify for credit cards and market-rate auto loans once your score reaches approximately 680 or higher. According to current mortgage underwriting guidelines, you can be approved for a mortgage in as little as 2-4 years after your bankruptcy discharge.
You can and should take steps to rebuild your credit and boost your credit score after bankruptcy by making on-time payments, keeping your credit utilization low, and monitoring your credit report regularly for errors or inaccuracies.
Repairing your credit after filing for bankruptcy is vital for a brighter financial future. At Fleysher Law, we understand the importance of improving your credit score and offer a comprehensive approach to help you achieve a credit score of 700 or higher. Here's how we can assist you:
At Fleysher Law, we are committed to your financial success and will walk alongside you as you rebuild your credit score. Take charge of your credit journey and turn bankruptcy into a stepping stone toward a credit score of 700 or higher.
Contact us today for a confidential consultation, and together, we will pave the path to a brighter financial horizon.
Emil specializes in consumer bankruptcy, debt settlement, and mortgage modification, offering a holistic approach to solving mortgage and debt problems. Emil listens to clients, understands their circumstances and goals, and helps them make the right choices by presenting all options and contingencies.
He is dedicated to helping South Floridians regain their financial freedom from overwhelming debt caused by high interest credit cards, bad mortgage loans, and uninsured medical expenses.
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