Where to begin rebuilding

[mrcj]

I am wondering what is the best place to start rebuilding credit, we were discharged from a 13 in Oct. 2005, I know we are going to need a new car soon, does anyone one know of a good book or some guidlines to follow to get started on rebuilding credit. I am in the St. louis, mo area and wondering if there are any banks or car dealers that anyone knows of that will deal honestly with a BK client?? Also does anyone know anything about these seminars "After Bankruptcy" put on by Stephen Snyder? Thanks

[SinkingFast]

First place to start, if you haven't already, is your Credit Reports.

Get copies and go to work correcting errors that you find. You can contact the Creditors to get them to fix the errors. Some may, some may not.

You can dispute the errors with the CRA's. The CRA's will investigate making the Creditors report correctly.

You can get free copies of your credit reports and http://www.annualcreditreport.com

You can Search, upper right, thru old threads for info about BK friendly lenders. There's a whole bunch of them.

Many people here start with an Orchard CC and work up from there.

[NASCAR20FAN]

First place to start, if you haven't already, is your Credit Reports.

Get copies and go to work correcting errors that you find. You can contact the Creditors to get them to fix the errors. Some may, some may not.

You can dispute the errors with the CRA's. The CRA's will investigate making the Creditors report correctly.

You can get free copies of your credit reports and http://www.annualcreditreport.com

You can Search, upper right, thru old threads for info about BK friendly lenders. There's a whole bunch of them.

Many people here start with an Orchard CC and work up from there.

Good stuff I just went on and got my copies. Thanks

[StaciMM]

Orchard Bank is a good starting point. By getting a couple of accounts reporting positive history, you'll take an important step to rebuilding after BK. That can make it easier to get a car loan, or other credit, in time.

[Anassa613]

I started out with Orchard it was secured but at least I have one cc that is reporting that I am paying.

[edwards2]

Anassa613 -you applied for and received an Orchard card and your BK hasnt even been discharged? You NEVER want to apply for credit just before or during the BK process before your case has been discharged. Trustees dont look too kindly at a person who is having their debts discharged and applies for new credit before the process has even been finalized. Someone did that in my county and the trustee found out and dismissed their case.