Call for a Free Consultation 480.568.2333
Restore Your Credit Score After Bankruptcy You Have Options Available

Rebuilding Your Credit After Bankruptcy

Legal Counsel on Credit Restoration in Phoenix, AZ

Many people already have bad credit by the time they visit our Phoenix law office. Still, they worry that filing for bankruptcy will make a bad situation worse. At the Law Offices of Harold E. Campbell P.C,, we often counsel our clients about rebuilding their credit after bankruptcy. Contrary to what most people think, it is possible and can be achieved with careful planning and guidance.

We often explain to clients that:

  • You will be solicited for car loans and credit cards within days of filing for bankruptcy.
  • If you have a job, you will usually be able to reestablish your credit in a year or two.
  • You will probably be eligible to buy a house within two years.

Often, the only thing standing between you and good credit after bankruptcy is knowing what steps to take next. Talking with an experienced bankruptcy lawyer can help you understand how to get a credit card (or how to avoid one), how to get a car loan without paying too much interest, rent an apartment, buy a home or even refinance.

How to Rebuild Credit After Bankruptcy

Securing new credit is one of the most crucial steps you can take to rebuilding your credit, but it can also seem difficult to do after bankruptcy. A Chapter 7 bankruptcy will typically stay on your credit report for 10 years, while a Chapter 13 will typically stay for seven years after your filing date. However, there are still several steps you can take to build your credit back in that time period.

Methods to rebuild your credit after bankruptcy include:

  • ​​​​​Secured Credit Cards - Many find the easiest way to start re-establishing credit is with a secured credit card from a local credit union or bank. You provide the bank with a certain amount of money and receive credit in that amount. By making regular payments on your card, you can begin to rebuild your credit.
  • Unsecured Credit Cards - After making regular payments for a period on a secured credit card, often 12 to 24 months, you may be eligible for an unsecured credit card. A card is "unsecured" when you do not need to give the lending institution money before credit is extended to you.
  • Retail and Gas Cards - These unsecured credit cards have lower qualifications standards than other cards, though they can come with higher interest rates. Making small purchases on these cards and paying the full balance each month can help you start getting your credit score back in the positive.
  • Co-Signers - A trusted friend or family member with good credit can co-sign with you so you can qualify for better loans. With this option, you will want to ensure you maintain your payments so as not to lower your co-signer's credit as well as your own.
  • Credit-Builder Loans - Community banks and credit unions can offer credit-builder loans, where you have the money deposited into a bank account held by the lender and make monthly payments for roughly 6 to 24 months. Once you pay off the loan, you get the money held in the account. Since these loans are low risk to the lender, they are typically easier to qualify for than traditional loans.

All of these options can work to repair your credit score as long as you make regular payments. However, it is important to avoid high fees and make smart decisions about debt — otherwise you could face financial problems again.

It is possible to restore your credit after bankruptcy. Don't let fear of a bad credit score keep you from seeking freedom from debt.

Call our team at (480) 568-2333 if you are interested in rebuilding your credit.

Testimonials From Our Clients

  • “Everyone has always been very courteous and extremely helpful.”

    Deborah M.

  • “We are now able to move forward in our medical practice and are becoming financially successful.”

    Dr. R.

  • “I would recommend their services to anyone who needed it.”

    Mary B.

  • “We are extremely satisfied, very happy and appreciative of everyone's help in your office. ”

    Raad T.

  • “Mr. Campbell always has the client's best interest in mind.”

    Danny B.

  • “He thoroughly explained all the best options I have available during this difficult process and I feel confident about the decisions I have made.”

    Michael H.

  • “You are a very knowledgeable, concerned and efficient attorney.”

    Joy B.

  • “Your firm was patient and helpful.”


  • “He was able to remove debt I wasn't expecting to go away. That was a bonus.”

    Liz S.

  • “He is very knowledgeable and kept me informed. His relationship skills, responsiveness, quality of service and value for money is a cut above. ”

    Chris D.

  • “Ms. Sandoval has been really helpful and truly caring about our situation.”

    Craig M.

  • “Thanks again for getting us through a difficult time.”

    Lisa S.

  • “Hal has the clients best interest in mind and does everything he can to ease their stress level.”

    Patti D.

  • “Very responsive to our needs and questions and got great results!”

    Mike L.

  • “His kind ways and professional approach were so refreshing.”

    Butch K.

Start With a Free Consultation

You'll Always Work Directly With Your Attorney
  • Please enter your first name.
  • Please enter your last name.
  • This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.