A soured credit rating is akin to Dickens’ A Tale of Two Cities. There are those folks who have good credit and there are the unfortunate souls relegated to a cash-and-carry world.
When you made that decision to file bankruptcy, you anticipated relief from the creditors intent on pursing aggressive collection efforts to recoup their money. As you made that appointment with an attorney, you envisioned a day when you could escape what seemed like nothing less than a pack of baying hounds nipping at your heels.
Then comes the morning after, and you soon realize just how limited is the life of one without credit. Even the act of buying a plane ticket can become complicated. If you get laid off from your job, you may have a hard time finding another one, because guess what? Credit checks are routinely run on prospective hires.
So many aspects of your life will change following those decisions that caused your credit score to crash. That’s why pursuing credit restoration is worth the time, money and effort it takes. Sure it costs money, but it’s a sound investment. If you don’t address those flagging credit scores, it may take a lot of time before your life returns to normal. Even the simple act of moving from one apartment to another — something young adults take for granted — may be contingent on your credit score.
It’s not about getting another credit card — it’s about getting on with your life. It’s looking forward to the future, marriage, children and that first home. Isn’t it time to learn from your mistakes and move ahead with your future plans? We can help get things moving, so you can make those dreams for the future a reality.