One of the best points about getting a fresh start on your credit by filing for bankruptcy is that it gives you a good chance to rebuild your future credit rating. 其中最好的点左右获得一个新的开端在您的信贷申请破产保护是，它给你一个很好的机会，重建你的未来信用评级。 Nevertheless, it is important that I tell you that your credit rating won't get better as long as all your old, negative information is still listed with credit reporting agencies, which as I said before can last for up to 5 years. 尽管如此，但重要的是，我告诉你，你的信用评级不会变得更好，只要您的所有岁，负面信息仍然是上市与信用报告机构，这我以前说过可以长达5年。
All three major credit reporting agencies have knowledge of you and your debts before you even decide to file for bankruptcy. 所有三大信用报告机构已经认识你和你的债务之前，甚至决定申请破产。 This information takes into account late payments, charge-offs and judgments that might’ve been made against you. 这一信息考虑到迟缴，撇帐和判断有可能已经针对你。 After your discharge, all these debts should be mentioned on your credit report as "Included in BK." 在您履行，所有这些债务应该提到您的信用报告“包含在缓激肽。 ” If they aren’t listed in that way, they will appear to still be active accounts in collection status, which could severely change your credit chances. 如果他们没有列在这种方式，他们会出现仍然是积极的帐户中收集的地位，这可能严重改变您的信用卡的机会。
Regrettably, creditors don’t often report updates in credit records after a bankruptcy discharge. 令人遗憾的是，债权人不经常更新报告中的信用记录后，破产出院。 A couple of months following your discharge, you should take sufficient time to order credit reports in order for you to make sure that all your discharged debts are listed as being included in your bankruptcy. 数个月后你放电，你应该有足够的时间以信用报告，您才能确保您所有的出院债务被列为包含在您的破产。
These three major credit reporting agencies can be contacted for your accurate credit report: 这三大信用报告机构联系，可为您准确的信用报告：
Trans Union (800) 888-4213 http://www.transunion.com/ 跨联盟（ 800 ） 888-4213 http://www.transunion.com/
Equifax (888) 397-3742 http://www.equifax.com/ 艾可（ 888 ） 397-3742 http://www.equifax.com/
Experian (800) 997-2493 http:// www.experian.com / Experian的（ 800 ） 997-2493 http:// www.experian.com /
Here are a few more things that you can do to get your credit back in order following bankruptcy; these things are: 这里有一些更多的东西，你能做得到您的信用卡，以便回来后破产;这些东西是：
Giving Yourself Credit: 给自己信用：
The best method for you to rebuild your credit following a bankruptcy is to establish credit accounts that will put forward positive information on you. 最好的方法为您重建您的信用卡后，破产是要建立信用账户，将提出积极的信息在你们身上。 You will have to get a single credit card with a small credit limit, use it rarely and pay the entire balance every month before the date is due. 您将必须得到一个单一的信用卡与小额信贷的限制，很少使用它，并支付全部余额每个月的日期之前，是因为。 This won’t work if you pay only minimum balances. 这将无法正常工作，如果你只支付最低余额。
Read the Contract Small Print: 阅读合同小字：
After your discharge, you will likely get a few offers for credit cards as well as other loans very fast. 在您履行，您可能会得到一些优惠的信用卡以及其他贷款的速度非常快。 You’ll need to know what you will be getting yourself into before you accept these offers. 您需要知道您将会得到你之前您接受这些提议。 Make sure that you completely understand the interest rate, any other fees and the expected monthly payments before you decide to open a new credit account. 请确保您完全理解利息，任何其他费用和预期的每月付款，然后再决定开辟一个新的信用卡帐户。 You must think that credit card companies can offer anything to get you hooked, nevertheless many of the great offers are only introductory and might double your payments later on. 你必须认为，信用卡公司可以提供什么让你上瘾，但许多伟大的提供只是介绍，并可能增加一倍您的付款后。
Being able to prove Your Payments: 能够证明您的款项：
You might need proof that you don't owe these creditors, even after your debts are discharged through bankruptcy, before you can establish yourself again. 您可能需要证明，你不欠这些债权人，即使在您的债务是通过破产出院之前，您可以建立自己了。 Keep a few copies of your discharge papers from the court so that you can prove certain debts were discharged if you do need to in the future. 保持几本文件的履行，法院这样您就可以证明某些债务人已出院，如果您需要在未来。 This will considerably facilitate your job in the end. 这将大大方便您的工作结束。
Making all of your payment on time: 让您所有的付款时间：
The majority of credit card companies and utilities report late payments to credit reporting agencies. 大多数信用卡公司和公用事业的报告中后期付款信用报告机构。 If your payments are late every month, future creditors will always see you as a bad credit risk. 如果您的付款是每月下旬，未来的债权人将永远看到你作为一个坏的信用风险。 Further, you should bear in mind that most credit cards add a late fee whenever you are late with a payment, which will only make your payments higher. 此外，你应该记住，大多数信用卡新增已故费只要您是已故的付款，这只会使您的款项更高。 You will have to try to avoid paying late by paying your accounts in full on or before the date it is due. 你必须尽量避免后期的支付帐户支付全额之日或之前这是因为。
Click to the next page of our guide on how to successfully recover from bankruptcy: Bankruptcy Advantages 点击下一页，我们的指导就如何成功地收回破产： 破产优势
