{"id":1980,"date":"2011-04-11T09:48:36","date_gmt":"2011-04-11T09:48:36","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/?p=1980"},"modified":"2018-11-28T08:42:55","modified_gmt":"2018-11-28T08:42:55","slug":"credit-score-new-york","status":"publish","type":"post","link":"https:\/\/nybankruptcy.net\/main\/credit-score-new-york\/","title":{"rendered":"5 tips for improving your post-bankruptcy credit score in New York"},"content":{"rendered":"

A real concern for many who file for bankruptcy in New York is whether they can rebuild their credit score following the end of their bankruptcy case.<\/p>\n

Fortunately, there are effective ways to do this.\u00a0 And there’s no magic to them.\u00a0 They’re simply common sense.\u00a0 Here are 5 good ways to improve your post-bankruptcy credit score in New York:<\/p>\n

1.\u00a0 Debit, not credit. <\/span>
\nUsing a debit card still have a positive impact on your credit score.\u00a0 But unlike credit, you don’t risk making purchases you can’t pay for that get you into trouble later.<\/p>\n

2.\u00a0 Only have 1 or 2 credit cards max<\/span>
\nHaving and using credit cards wisely can help build credit.\u00a0 But having more than one or two creates temptation to incur more debt than is healthy.\u00a0 (Of course, you can do that using just one credit card as well.\u00a0 But it can be difficult to function in today’s economy without at least one credit card.)\u00a0 Also, having too many credit cards can hurt your credit score even if you don’t use them.\u00a0 Because if each card has a ceiling of $10,000, then 4 cards means you could potentially be up to $40,000 in debt.\u00a0 That makes you a greater credit risk in the eyes of a lender and gets factored into your credit score in a negative way.<\/p>\n

3.\u00a0 Use cash when you can<\/span>
\nUsing cash takes debt out of the equation.\u00a0 There’s no risk of interest accumulating.\u00a0 No risk of damage to your credit score.\u00a0 Plus, you see and feel the money leaving your hands, and psychologically that tends to make people more conservative (and therefore responsible) with their money.<\/p>\n

4.\u00a0 Don’t get into the habit of financing your lifestyle<\/span>
\nThe only thing you should borrow money for are things you can afford to pay back, things you need to function (e.g., a car) and things that are good investments (e.g., a house or property).\u00a0 If you’re borrowing money to go on vacations, to get high-end electronics or other consumable goods that will not add financial value to your life, you’re borrowing too much.\u00a0 Taking on new loans that you don’t need is the quickest way back to financial problems.\u00a0 And remember, if you just got out of bankruptcy, you won’t be able to file again for a number of years.<\/p>\n

5.\u00a0 Keep good track of your debts<\/span>
\nHaving a credit card in today’s economy is a necessity in many ways.\u00a0 So simply saying, “Don’t use credit cards” is not practical advice for most people.\u00a0 However, if you do plan to incur debt, make sure to keep track of it.\u00a0 It’s easy for it to start feeling disconnected from the money you actually do have.\u00a0 Psychologically, it’s easy to put it out of your mind at the time of a transaction.\u00a0 So do what you need to make your brain feel like it’s handing over cash whenever you make a credit card purchase.\u00a0 This mentality will hopefully enable you to manage your debts in a more accurate and responsible way that will help you avoid problems down the road.<\/p>\n

If you have questions about the post-bankruptcy process, please feel free to contact<\/a> experienced New York bankruptcy<\/a> attorney Bruce Weiner for a free initial consultation.<\/p>\n

<\/center><\/p>\n","protected":false},"excerpt":{"rendered":"

A real concern for many who file for bankruptcy in New York is whether they can rebuild their credit score following the end of their bankruptcy case. Fortunately, there are effective ways to do this.\u00a0 And there’s no magic to them.\u00a0 They’re simply common sense.\u00a0 Here are 5 good ways to improve your post-bankruptcy credit …<\/p>\n

5 tips for improving your post-bankruptcy credit score in New York<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[16,5,7],"tags":[17,21,30,3,6,56,32,54,51,52,35],"acf":[],"yoast_head":"\n5 tips for improving your post-bankruptcy credit score in New York<\/title>\n<meta name=\"description\" content=\"A real concern for many who file for 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