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Is Filing Bankruptcy Really That Bad?

Despite the doom and gloom surrounding it, bankruptcy is not as uncommon as you might think. Due to its stigma, your best friend may have filed and you'd never even know it. Should you decide to go that route, bankruptcy could finally give you the fresh start you've been looking for.

Now, I'm not suggesting that you run out and file a BK, because if you're successful, it "WILL" set you back a bit. Bankruptcy is not as simple as just filing. You have to actually be approved by a judge in order to set the wheels in motion and have it finalized.

Although bankruptcy can stay on your credit reports up to 10 years, a reputable credit repair company can usually remove it sooner. Even if you do nothing, the bankruptcy only affects your credit buying power until it is discharged, which usually takes about 90-120 days.

Once you receive your discharge papers, you can buy a vehicle after 90 days or home after 2 years. In fact, you might find creditors eager to extend you credit because they know you can't file again for another 8 years. They're also counting on you to have learned your lesson, so it makes them feel better about taking a risk on you.

You'll soon find your mailbox stuffed with offers for credit cards almost daily. Before you get all excited, these will not be prime credit offers. They'll be the same high-interest rate offers you received before filing, but at least they'll give you a chance to start building up to something better.

In fact, a friend of mine had his bankruptcy recently discharged and was able to raise his credit score to just over 700 and he's less than two years post-discharge. With the right amount of focus and determination, I am confident that anyone else can do the same.

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Credit Rehab: Beyond The Ivory Tower

A lot of people have asked me why I apply for so much credit and the answer is simple. I apply for credit as a part of my research in order to find out what works and what doesn't. I then pass my findings on to my followers so that they can make an informed credit decision based on my results.

Of course, everyone's credit situation is different and there will always be outliers, but hopefully, my experiences will provide a baseline from which others can benefit. Much like the way in which my online research provides a baseline for me before I apply for credit.

Essentially, I am doing the research and absorbing all the credit inquiries and associated risks of being denied credit so that you don't have to. I will only recommend the credit opportunities that I feel will give you the very best opportunity of being approved.

My credit situation is far from perfect, but I've been successfully approved for well over 10 unsecured credit cards. I attribute this to putting in the necessary research required to improve my chances of credit approval and then I pass this information along to you.

I don't concern myself with the number of credit inquiries that I rack up because it's just part of the process...The price of doing business. I will go into much greater detail regarding credit inquiries in an upcoming article entitled: "Credit Inquiries are Overrated."

You see, I am no different from you. I am seeking credit improvement in the same way that you are. I am not one of those people that sits atop an ivory tower and preaches down to the lowly people below them who struggle with credit and are constantly judged because of it. I am not only one of you...I AM you!

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Target REDcard for Easy Credit Approvals

Yesterday I was just sitting around thinking that I could really use another credit card to increase my available credit in order to improve my debt to credit ratio. After a brief google search for department store cards with easy credit approvals, I stumbled upon the Target REDcard.

After reviewing the card's description, I discovered that one of its perks was a 5% discount on any item purchased in-store or online, so I decided to apply. I was instantly approved with a "temporary credit limit" of $300 which I later found out was only a portion of my full credit limit which has yet to be disclosed.

I should also mention that upon setting up my online account, it revealed that I had been a valued customer since 2015. Perplexed, I had to think back and I realized that the Target REDcard is financed by TD Bank which is the same company that financed my Nordstrom Rack credit card that I got back in 2015. So it appears that TD Bank combines all its cards under the same umbrella.

So, if you've been thinking about applying for a Target REDcard but not quite sure if the risk was worth the hard credit pull, my research revealed that a FICO score of 615 is recommended but not a requirement for approval...You're just going to have to trust me on this one. If you think your FICO is somewhere in the ballpark, then I'd say go for it!

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You might also like: Pre-Order Your "FREE" Credit Repair Guide!

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Pre-Order Your FREE Credit Repair Guide!

My "D.I.Y. Credit Repair Guide" (The Blueprint) will give you step by step instructions on how to dispute derogatory items and have them removed from your credit reports. It will also go over a brief history of credit repair and how the process has changed over the years.

My guide will dispel all the myths associated with credit repair in regards to what can and cannot be removed. Everything can be removed...even if the debt legitimately belongs to you. I have no doubt that my credit repair guide will assist you in removing derogatories from all three credit reports but it will only work to the level of time and commitment that you are willing to put into it.

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