It might not seem like it, but if you really want to, bankruptcy can actually work for you. 这可能似乎并不喜欢它，但是如果你真的想，破产实际上可以为你工作。 Despite the fact that your bankruptcy will remain on your credit report, you can remain assured that you won’t be scarred for life. 尽管事实上，你的破产将留在您的信用报告，您可以继续放心，你不会伤痕累累的生命。 Actually, you will find that several companies will work with you even if bankruptcy is mentioned on your credit report. 其实，你会发现，几家公司将与你一道工作，即使破产提到您的信用报告。

You must note however, that there will be a few barriers to pass before you can get back on your feet. 你必须注意到然而，将有一些障碍通过，然后才可以回到你的脚下。 Rebuilding your credit will require some effort and strategy on your part, but it won’t be impossible. 您的信用重建将需要一些努力和战略的一部分，但不会是不可能的。 You will be able to turn the bankruptcy to your advantage, and this section will show you how you can do it. 你将能够把你的破产优势，这一节将告诉您如何可以做到这一点。

1. 1 。 Deleting Credit Report Errors within 48 Hours 删除错误的信用报告后48小时内

This is positively the quickest way to correct any mistakes that can be made on your credit report and could raise your credit score at the same time. 这是积极的最快途径，以纠正任何错误，可以提出您的信用报告，并可以提高您的信用评分在同一时间。

Nevertheless, you can’t do this all by yourself. 然而，你不能这样做这一切的自己。 It can only be done via a mortgage company or a bank. 它只能通过抵押贷款的公司或银行。 If you apply for a bankruptcy home loan and find that there are errors on your credit report, you can ask the loan officer to carry out a Rapid Rescore. 如果你申请破产的房屋贷款，发现有错误在您的信用报告，您可以要求贷款人员进行快速Rescore 。 Nevertheless, you must make sure you don’t do this each time you apply for credit or you might get yourself into some bigger trouble. 然而，您必须确保不这样做每次申请信用卡或您可能会得到一些自己更大的麻烦。 The Rapid Rescore strategy can be quite lengthy however as it needs some proper paperwork. 快速Rescore战略可以相当冗长然而，因为它需要一些适当的文书工作。 To begin with, you will need some proof that the item is false. 首先，你会需要一些证据，证明该项目是虚假的。 To do this, you will have to ask the creditor to admit it on your behalf. 要做到这一点，你将不得不要求债权人承认，以自己的名义。

For instance, you can get a letter stating that the account isn’t really your account, a letter stating that the account was paid, a release of lien notice, a satisfaction of judgment, a bankruptcy discharge, a letter for deletion of collection account or anything else that can make your claim substantial. 例如，你可以信指出，该帐户是没有真正自己的帐户，信指出，该帐户支付，释放留置权的通知，一个满意的判决，破产放电，信删除的帐户采集或其他任何可以让你的要求很大。 This is the same sort of documentation that a bank or mortgage company would need from you for the credit account in any case. 这是同样的文件，银行或抵押贷款公司将需要从你的信用卡帐户在任何情况下。 The only variation is that now you can improve your credit score and receive a lower interest rate with it instead. 唯一的变化是，现在您可以提高您的信用评分和接受较低的利率与它代替。 The results aren’t guaranteed and will run you about $50 per account, so you must take advantage of it carefully. 结果是没有保障和运行你50美元的帐户，所以你必须利用它仔细。

2. 2 。 Bad Credit Deletion 不良信用缺失

This is the utmost area where you've probably heard of many scams being reported. 这是最大的领域，你可能听到许多诈骗报告。 Credit repair clinics tend to charge a hefty fee for their services in return for a clean credit report. 信用修复诊所往往收取高额费用，他们的服务，以换取一个干净的信用报告。 Sometimes they even maintain that they can give you a new credit profile! 有时候，他们甚至认为，他们可以给你一个新的信用状况！ People are now spending hundreds, or even thousands, of dollars for something they can actually do themselves. 现在人民消费数以百计，甚至数以千计的美元，他们实际上可以做自己。 Why? 为什么？ Because the majority of people out there don’t realize that they can clear up their credit by themselves. 由于大多数人有没有意识到，他们可以清楚他们的信贷本身。

More Bankruptcy Recovery tips on the next page of our guide, Bankruptcy Advantages 2 更多的破产回收秘诀下一页我们的指导， 破产的优势第2