Maximizing Your Credit Score After Bankruptcy: Quick Tips

Rebuilding your credit score after bankruptcy is an essential part of any debt relief service we provide. Whether you have been discharged from a chapter 7 or chapter 13 bankruptcy, or we provided other personalized debt solutions, the following tips will give you a head start on your fresh start.

TIP # 1 Take an active role in managing your credit report and score after your bankruptcy. After you have been discharged from your bankruptcy check your credit reports from Equifax, Transunion and Experian. Ensure that each agency has listed the debts, prior to your bankruptcy, as “included in bk”. This is the first step to ensure your fresh start. If an agency incorrectly reports any of your pre-bankruptcy filing debts, you have the right to dispute the errors with the agency.

TIP # 2 Monitor your finances and credit report. Websites like mint.com      (allows you to track income and expenses, bill payments, etc.) and creditkarma.com (allows you to monitor your credit report) help you keep a watchful eye on your financial health.

TIP # 3 You can apply for a credit card. I know that this sounds crazy, but in order to help build your credit score a credit card can help. An option after bankruptcy is to get a secured credit card. A secured credit card uses your savings account as collateral. The benefit of a secured credit card is that it allows you to begin using credit and having positive credit history reported on your report. A secured credit card is also easier to get approval for after a bankruptcy than an unsecured credit card.

TIP # 4 Keeping steady employment will help your credit score. Although this tip is not always within your control, steady employment will improve your credit score.

TIP # 5 Be conservative with your credit and use caution when spending. After your bankruptcy you may have numerous offers for lines of credit from multiple creditors. Choose one or two of those offers. Do not overextend yourself as this can have a negative impact on your credit score and harm the positive actions you had taken above.

Corey Sacca

Corey is a debt relief attorney practicing in Westmoreland, Indiana, Allegheny, Cambria, and Somerset Counties. Our firm has been representing clients in Southwestern Pennsylvania since 1985.

We have convenient office locations in Greensburg, Latrobe and Johnstown. We meet with clients in the evenings and weekends by appointment.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Privacy Policy

This privacy policy discloses the privacy practices for www.bononiandbononi.com. This privacy policy applies solely to information collected by this web site. It will notify you of the following:

  1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
  2. What choices are available to you regarding the use of your data.
  3. The security procedures in place to protect the misuse of your information.
  4. How you can correct any inaccuracies in the information.

Information Collection, Use, and Sharing 
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Control Over Information 
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

  • See what data we have about you, if any.
  • Change/correct any data we have about you.
  • Have us delete any data we have about you.
  • Express any concern you have about our use of your data.

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

We also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.


Our Privacy Policy may change from time to time and all updates will be posted on this page.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 412-832-2499