Can I get student loan relief without filing bankruptcy? It’s almost impossible to have student loans discharged in chapter 7 bankruptcy. Your only option is to show that repaying your loans would cause an extreme hardship on you or your dependents. Very few people can demonstrate this to the court’s satisfaction. If you are struggling to repay your loans, you may have other options. These can help eliminate some or all of your student loan debt. There may also be options available that can help keep you
How Do I Rebuild My Credit After Bankruptcy?
How do I rebuild my credit after bankruptcy? If you’ve recently filed for bankruptcy, you may be feeling a mix of relief and trepidation. You may also be asking yourself “how do I rebuild my credit after bankruptcy?” While having filed for bankruptcy can eliminate unsecured debts in the case of a Chapter 7 filing or allowed you to renegotiate them in a Chapter 13 filing, you may be worried about how a bankruptcy on your credit report will affect your finances going forward. These
How do I Get a Free Credit Report?
Every consumer is entitled to obtain 1 credit report, free of charge, from each of the three major credit bureaus (TransUnion, Equifax, and Experian) once every 12 months from www.annualcreditreport.com. AnnualCreditReport.com is the official web site to help consumers to obtain their free credit report via secure website, phone or mail. Therefore, you should carefully read the fine print on other web sites offering “free” credit reports. Many of them are only free for a short period of time and then you get charged, often
What’s in a number? – Understanding your credit score
What is a credit score? A credit score is a number, based on a snapshot of your credit report at a particular point in time, which summarizes your credit risk and helps a lender evaluate your credit report. The most widely used credit scores are FICO® scores created by FICO (Fair Isaac Corporation). The FICO® score range is 300-850®. What is in a FICO® score? There are five main categories of information that FICO® scores evaluate. These are Payment History, Amounts Owed, Length of Credit