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. 其中最好的點左右獲得一個新的開端在您的信貸申請破產保護是，它給你一個很好的機會，重建你的未來信用評級。 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. 儘管如此，但重要的是，我告訴你，你的信用評級不會變得更好，只要您的所有歲，負面信息仍然是上市與信用報告機構，這我以前說過可以長達5年。
All three major credit reporting agencies have knowledge of you and your debts before you even decide to file for bankruptcy. 所有三大信用報告機構已經認識你和你的債務之前，甚至決定申請破產。 This information takes into account late payments, charge-offs and judgments that might’ve been made against you. 這一信息考慮到遲繳，撇帳和判斷有可能已經針對你。 After your discharge, all these debts should be mentioned on your credit report as "Included in BK." 在您履行，所有這些債務應該提到您的信用報告“包含在緩激肽。 ” 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. 如果他們沒有列在這種方式，他們會出現仍然是積極的帳戶中收集的地位，這可能嚴重改變您的信用卡的機會。
Regrettably, creditors don’t often report updates in credit records after a bankruptcy discharge. 令人遺憾的是，債權人不經常更新報告中的信用記錄後，破產出院。 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. 數個月後你放電，你應該有足夠的時間以信用報告，您才能確保您所有的出院債務被列為包含在您的破產。
These three major credit reporting agencies can be contacted for your accurate credit report: 這三大信用報告機構聯繫，可為您準確的信用報告：
Trans Union (800) 888-4213 http://www.transunion.com/ 跨聯盟（ 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: 這裡有一些更多的東西，你能做得到您的信用卡，以便回來後破產;這些東西是：
Giving Yourself Credit: 給自己信用：
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. 最好的方法為您重建您的信用卡後，破產是要建立信用賬戶，將提出積極的信息在你們身上。 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. 您將必須得到一個單一的信用卡與小額信貸的限制，很少使用它，並支付全部餘額每個月的日期之前，是因為。 This won’t work if you pay only minimum balances. 這將無法正常工作，如果你只支付最低餘額。
Read the Contract Small Print: 閱讀合同小字：
After your discharge, you will likely get a few offers for credit cards as well as other loans very fast. 在您履行，您可能會得到一些優惠的信用卡以及其他貸款的速度非常快。 You’ll need to know what you will be getting yourself into before you accept these offers. 您需要知道您將會得到你之前您接受這些提議。 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. 請確保您完全理解利息，任何其他費用和預期的每月付款，然後再決定開闢一個新的信用卡帳戶。 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. 你必須認為，信用卡公司可以提供什麼讓你上癮，但許多偉大的提供只是介紹，並可能增加一倍您的付款後。
Being able to prove Your Payments: 能夠證明您的款項：
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. 您可能需要證明，你不欠這些債權人，即使在您的債務是通過破產出院之前，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. 保持幾本文件的履行，法院這樣您就可以證明某些債務人已出院，如果您需要在未來。 This will considerably facilitate your job in the end. 這將大大方便您的工作結束。
Making all of your payment on time: 讓您所有的付款時間：
The majority of credit card companies and utilities report late payments to credit reporting agencies. 大多數信用卡公司和公用事業的報告中後期付款信用報告機構。 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，未來的債權人將永遠看到你作為一個壞的信用風險。 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，你應該記住，大多數信用卡新增已故費只要您是已故的付款，這只會使您的款項更高。 You will have to try to avoid paying late by paying your accounts in full on or before the date it is due. 你必須盡量避免後期的支付帳戶支付全額之日或之前這是因為。
Click to the next page of our guide on how to successfully recover from bankruptcy: Bankruptcy Advantages 點擊下一頁，我們的指導就如何成功地收回破產： 破產優勢
