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Debt Management 2006

Bad credit
  When your credit rating is in a deep hole it's tough to get a good foothold.
A bankruptcy timeline
By Brigitte Yuille • Bankrate.com
What happens before, during and after bankruptcy
Bankruptcy Timeline
Warning! Bankruptcy approaching Alert! Bankruptcy dead ahead Cut back Prepare Seek counseling Seek an attorney File bankruptcy Personal financial course Finance a vehicle 341 meeting Chapter 7: Discharge FHA-insured mortgage Unsecured credit card Purchase home FHA-insured mortgage Chapter 13: Discharge Drops off credit report Drops off credit report
 
2 years Purchase home
 
• A home can be purchased 18 to 24 months after a personal bankruptcy discharge, depending on a positive credit history.
• Interest rates may be an estimated 2 points to 3 points higher than conventional rates.
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TABLE OF CONTENTS
  Reports and scores
  No credit
  Bad credit
  • Debt-o-meter
  • Getting in trouble
  • Bad credit hurts
  • Emergency plan
  • There's still a card for you
  • Bankruptcy myths
  Mixed credit
  Good credit
  Getting help
  Tools to use
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