The true fact is that you can get credit again following your bankruptcy. 真正的事实是，你可以再次信贷以下的破产。 Bankruptcy is in some ways also meant to provide you with a fresh financial start, as well as the ability to rebuild credit will be part of that new start. 破产是在某些方面还意味着为您提供新的财政开始，以及能够重建信贷将是新的开始。 Obviously, just as with all good things; there is a procedure that you will have to follow in order to rebuild credit following bankruptcy and it can be very full of downfalls, many of which can be avoided. 显然，正如所有美好的事物;有一个程序，你将必须遵循以重建信用破产之后，它可以是非常充分的见于，其中许多是可以避免的。

• Try not to take out loans or use credit unless you can afford to make timely payments. •尽量不要采取贷款或使用信用卡，除非你能够及时付款。 This might sound like it is obvious, but lots of good consumers make the mistake of taking out loans that they cannot afford to pay every day. 这可能听起来像很明显，但很多好消费者错误地采取了贷款，他们付不起每一天。 Try not to get so eager as to rebuild your credit following bankruptcy that you feel that you will need to rush into it. 请不要如此迫切，以重建信用破产之后，您觉得您需要将涌入它。 You will need to figure out whether or not you can afford the payments. 您将需要找出你是否能够负担得起的款项。 If you assume that you can stick to the payments every month, but can afford to miss a few after a while, your credit will never go up and you will likely end up back in debt and worse than before. 如果你以为你可以坚持每个月支付，但不能错过了几个后一段时间，您的信用卡将永远也不会再和您可能会最终回到债务和比以前更糟。 You will need some detailed information to take out a new loan. 您将需要一些详细的资料采取了一项新的贷款。

• Check your budget., and if you don’t have one; try to create one before you even consider applying for new credit. •检查您的预算。 ，如果您没有;尝试建立一个即使您还没有考虑申请新的信贷。 With your budget, you can figure out exactly how much the payment on your new account will be. 与您的预算，您就可以找出多少款项，您的新帐户将。 You can also make use of a loan calculator which will do all of the work for you. 您也可以使用贷款计算器，这将尽一切的为你工作。

• Establish a comparison with the amount of payment and the income which is available to you. •建立一个比较的数额支付和收入这是向您提供。 Available income simply means reliable income that isn’t committed to another area of your budget. 可支配收入只是意味着可靠的收入，不承诺的另一领域是您的预算。 Don’t base it on any money you might have, instead try to work with the money you do have. 不要基数上任何金钱您可能，而不是试图与金钱您有。 Try not to forget to leave some for savings/emergencies, so if this new loan payment implies that you are spending all of your monthly income, you won’t be able to afford it. 请不要忘记离开一些储蓄/紧急情况，因此，如果这一新的贷款支付意味着你开支您所有的每月收入，你将无法承受。

• Try to beware of hidden costs. •尝试提防隐性成本。 There are many reputable lenders who specialize in offering second chance loans, but their interest rate will be higher. 有许多有信誉的贷款谁专注于提供第二次机会的贷款，但其利息将更高。 This is given to consumers who have low credit scores or have filed for bankruptcy. 这是考虑到消费者谁低信用分数或已申请破产。 However not all lenders who will do this are actually reputable. 然而并非所有的贷款谁这样做实际上是信誉。 When you have filed for bankruptcy and know that your credit options are limited, you might be tempted to accept terms that would normally be ridiculous. 当你有申请破产保护，并知道您的信用卡的选择是有限的，你可能受到诱惑而接受的条件通常是荒谬的。 Lenders have knowledge of this and some will make the most of post-bankruptcy clients by giving them fees which are unnecessary, crippling late-payment charges, and hidden costs. 放债人了解这一点，有些人会作出最后破产的客户，使他们的费用是不必要的，沉重的晚付款的费用，且隐性成本。 It’s more important that you watch out for this following your bankruptcy. 它更重要的是，你看这出以下的破产。

Interested? 兴趣？ more to come! 更多的惊喜！ click to the next page of our guide: Home Equity Options 3 点击下一页，我们的指导：主页股票期权第3