Many people are saying that to file for bankrupt affects your credit score and the effects of a chapter seven. But filing for a bankrupt under a chapter 13 is the one that really affects your credit score, and when you file for bankruptcy under the chapter seven then you are basically getting a new start. One of the advantages of filing bankruptcy under chapter seven is that after the initial process you are totally free of debt. And this is also a very good thing for the creditor, as they will see that you have erased your previous debts and started fresh.
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One of the important factors to look for when filing bankruptcy under the chapter seven is that you will not be able to discharge your debt with these creditors for up to eight years. The bankruptcy attorney at law will indicate to you exactly when you are to start receiving offers from card companies with low limits and higher interest rates. These particular cards will also carry a higher yearly fee, but you should not be discouraged because of these various factors. If you are an individual that has filing on their credit report then you are still at risk but with the secured credit card you only can use what you deposit and the high risks is less for the credit card company.
You should have account with two major credit card companies but don't make use of them, then after you should receive an unsecured credit card with a small limit and a large interest rate and yearly fee, just open the account and wait. And within a few months then you should start seeing changes in the rates applied to the cards.
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