Rebuild Your Credit Score

Expert Guidance To Help You Rebuild Your Credit Score

We at Crawley Law Firm not only want to help you get out of debt by offering a free consultation to see if bankruptcy is an option for you but also want to help you recover from it. Filing bankruptcy is an opportunity to start fresh financially. Our specialized credit rebuilding program can help you learn steps that work to improve credit scores in just a matter of months. If you are looking for expert advice on how to rebuild your credit score in Jonesboro, Paragould, Forest City, West Memphis, Mountain Home, and Batesville, we are here to help you!

7 Steps to a 720

Crawley Law Firm offers free access to an online credit rebuilding course. This program teaches you how to improve your credit rating over a 6-12 month period of time. Through our 14-week credit rebuilding program, you will learn things like:

  • How to rebuild your credit the right way.
  • Why most credit scores are wrong.
  • Which credit cards actually hurt your credit score.
  • How to stop lenders that report the wrong information.
  • How to re-establish your credit after a bankruptcy, foreclosure, or a short sale.

To find out more about this program, fill out the contact form or call us to talk to our attorney.

Credit Repair Law Firm

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Rebuilding Credit After Bankruptcy

Once you’ve reached the end of your bankruptcy and your debts have been discharged, you’re usually in a much better financial position than the time when you started. Your credit score, however, has taken a hit. The task of rebuilding credit can seem insurmountable, but there are steps you can take immediately after bankruptcy to begin the recovery process.

Impact of Bankruptcy on Credit

First, you need to understand what effect bankruptcy has on your credit score and the ability to obtain loans in the future. Bankruptcy stays on your credit history for 10 years, so anyone considering you for a loan will see it. This gives them pause, of course, but it isn’t all bad. After Chapter 7, you are ineligible to file for another Chapter 7 bankruptcy for eight years. This may make you a more attractive candidate for some loans. The bankruptcy process for individuals also requires classes in financial responsibility. Banks know that, and it may influence their decision about whether you’ll be a trustworthy debtor.

Assessing The Damage

The first step to rebuilding is to look at all of your credit reports and make sure there are no errors. Since you’re coming out of bankruptcy, some of the negatives on the report will be correct, but others may not be. Be sure to call the credit reporting agencies and get any mistakes cleared away. After that, create a realistic budget. You’ll need at least some savings to buffer against emergencies. It is important to have a cushion so that loans don’t spiral out of control again.

Rebuilding Your Credit

Now that you have a clear idea of what your financial situation looks like, you can seek out loans that will raise your credit score. Starting small and making sure that payments are made completely and promptly will be important at this stage, so be sure your budget is accurate and your commitment to rebuilding your credit is strong.

Secured Credit Cards
These are credit cards that are secured by a deposit in the bank that issues them. As soon as your debt is discharged, you can apply for one. The amount of credit is usually between 50% and 100% of the amount of the deposit.

Secured Loans
Similarly, a secured loan is a loan made with cash as collateral. Either money that you’ve already deposited or money from the loan itself can serve as the security on loan. Until payments are made, you won’t have access to this money, but the bank will report your payments to credit rating agencies, which will build your score.

Co-signed Loans
Depending on several factors, you may not be able to get the above loans right away. If there is someone with good credit who trusts your ability to repay, you may be able to get a loan with their signature vouching for you. They will also be liable for the amount of the loan, so make sure you’re able to repay it.

Authorized User Status
Some secondary users on certain credit cards also have the payments reported to credit agencies. Not every card will do this, so if you choose this option, make sure to ask whether this is the case.

Finally, and most importantly, don’t get overwhelmed and don’t give up. Bankruptcy can feel like a big stain on your credit report, but it doesn’t have to. People overcome it every day, and with care and strategy, you can too.

Let us help you start afresh by reviving your credit health!

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We Serve All Of Northeast Arkansas including:


Crawley Law Firm, PA

Customer Reviews

Debbie V. 03/20/2023

Great experience very fast wonderful people to work with.

Shannon W. 03/21/2023

Professional, Helpful, and Kind. I would recommend to anyone. Thank you

Tanya 2/15/2023

Mr. Crawley and the staff were very kind and knowledgeable to me during my Bankruptcy period. They did an awesome job. They were quick to respond to all messages, calls, and inquires. I would definitely recommend Crawley Law Firm to anyone in need of help with your legal issues.

Casey 02/08/23

Mr Crawley and husband staff were very kind and knowledgeable to me during the trying time that is bankruptcy. They were quick to respond to all messages, calls, and inquires. I recommend them to anyone in need of help with your legal issues.

H Barnes

Awesome. Answered every question each time all the time. Be prepared when you walk into his office because they're already waiting to tackle your issues. Good staff too. This lawyer gets this thang done. Have your ducks in a row.. They will help you all the way.

Mr. and Mrs. Dowdy 08/19/2022

We want to personally thank Mr. Crawley and his staff for everything. We want the whole office know we appreciate each of you for being kind and having patience with us throughout the process.

C. Henley

I have been struggling with coming to this decision to file bankruptcy, but you have made me feel comfortable through this process! Thank you for being so great with clients! You are a rockstar in my book! This is terrifying but you all have made it better! Thank you for all your help!!

Terri B. 01/20/22

I would definitely recommend Crawley Law Firm. They were informative and very patient all the way through. I could always call with any other questions. Juliana was great! Michael and all of his staff were very professional and understanding all the way!

Robert N. 01/17/22

Very responsive very respectful, and competitive on price. Always answered my questions with honor. Thanks Crawley team.

Sherry S. 01/12/22

Awe ty for always making me feel better. You are good people and I can't tell you how every single thing u have ever said or done u and ur hubs has helped us in some way. And this bankruptcy stuff is serious and ya'll take such good care of us and we appreciate you!