Credit Rating and Obtaining Credit


Credit Rating
Obtaining Credit


Credit Rating:

Your credit rating during and after completion of Chapter 13 will be as it is now and was in the past, the personal opinion of any credit grantor who looks at your record.  A credit rating in not A, B or C, or 1, 2 or 3; it is a record of your past credit performances.  This record is made available to credit grantors, and they make up their minds, by their own standards, as to whether or not they want to grant credit to you.  Suits, collections, attachments, straight bankruptcies and Chapter 13 are indications, in one degree or another, of credit problems.  After some years and a number of paid-in-full Chapter 13 cases in this area, many knowledgeable credit grantors are looking with respect upon those who have paid their debts in full under Chapter 13.  Any credit record that has been blemished by a problem must be gradually rebuilt.

Return to the Top


Obtaining Credit:

You are required to notify and gain approval of the Trustee prior to obtaining credit once your bankruptcy case is filed.  Should you need to obtain credit for a major purchase while in bankruptcy, please contact the Trustee.

Return to the Top