Rebuilding Credit in Missouri
What Is A Credit Score?
When you are looking to secure credit for a larger purchase such as a home or vehicle creditors want to know if you are an acceptable risk to lend to. Your credit score is a three-digit number ranging from 300-850, depending on where you fall within the range determines how likely you are to be able to borrow funds from a lender or at what interest rate you will be able to secure a loan. There are a number of factors that a credit reporting agency look at when a person runs a credit check on someone:
- Your Payment history of bills including loans, credit cards, cell phones, medical bills, etc.
- Total amounts owing on all loans, credit cards, etc.
- How long you had an established credit history
- What types of credit you carry
- How much new credit (accounts opened within the last 12 months) does the person have
When you are unable to pay a bill on time, if you have too many credit cards, or if you have never taken the time to establish a credit history you could be affected by a negative credit score. Depending on what your three-digit credit score number is you will fall in the range of poor, fair, good, very good, or excellent. If you are dealing with a poor or fair credit score our experienced bankruptcy attorneys can help you rebuild your credit.
How to Improve Your Credit Score After Bankruptcy
One of the most common questions we get asked about filing for bankruptcy is ‘what happens to my credit score after filing for bankruptcy?’ We understand that concern, part of getting on with your life is rebuilding your credit score. We listen to our client’s concerns, have looked at many different options, and found some interesting answers:
- If you take immediate steps to start rebuilding your credit score after a bankruptcy, you can transform your credit score 12 to 24 months after your bankruptcy has been discharged.
- You must take these steps. Too many people decide to wipe their hands clean of credit. As time passes, instead of having poor credit, they end up with no credit, which can be just as difficult to navigate.
Is A 720 Credit Score Good?
We always want to add more and more value to our clients, whether they have just retained us, or their bankruptcy is complete. Because rebuilding your credit is so important, we searched high and low for the best credit education program available. After testing the program, we learned that people who have been through 720CreditScore.com’s credit program, 7 Steps to a 720 Credit Score, are usually able to transform their credit scores within 24 months of declaring bankruptcy.
With this kind of results, we decided to make this program available to every single one of our bankruptcy clients FOR FREE!
The credit education program usually costs $1000.00 for enrollment. However, in order to give as much value to our clients as possible, and to set them up for ultimate financial success in the future, we enroll ALL of our bankruptcy clients into the program at no charge. That is an incredible value and something that could turn your entire life around.
Call Us to Learn More About Our Credit Education And Building Program
Call today for a Free Consultation
When you’re in debt, it’s difficult to focus on anything else. But there are steps that you can take to get out of debt – even if your credit is damaged or your income has been cut off completely! Call our St. Charles bankruptcy attorneys at Westbrook Law Group to find out how to escape the shackles of debt and get relief in Missouri.
What Our Clients Say
“Every person that works in this office is wonderful. Marisa is so kind and helpful. Kathy is always there to answer any questions I may have and Brent was always kind and compassionate with my situation. Not to mention, for having such high ratings and high level of professionalism, they were incredibly affordable. I would suggest them to anyone wanting to reclaim their financial freedom and feel confident in doing so!”
Rating 5/5 ⭐⭐⭐⭐⭐
By: Ciara Flack
October 22, 2020
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