It might not seem like it, but if you really want to, bankruptcy can actually work for you. 這可能似乎並不喜歡它，但是如果你真的想，破產實際上可以為你工作。 Despite the fact that your bankruptcy will remain on your credit report, you can remain assured that you won’t be scarred for life. 儘管事實上，你的破產將留在您的信用報告，您可以繼續放心，你不會傷痕累累的生命。 Actually, you will find that several companies will work with you even if bankruptcy is mentioned on your credit report. 其實，你會發現，幾家公司將與你一道工作，即使破產提到您的信用報告。

You must note however, that there will be a few barriers to pass before you can get back on your feet. 你必須注意到然而，將有一些障礙通過，然後才可以回到你的腳下。 Rebuilding your credit will require some effort and strategy on your part, but it won’t be impossible. 您的信用重建將需要一些努力和戰略的一部分，但不會是不可能的。 You will be able to turn the bankruptcy to your advantage, and this section will show you how you can do it. 你將能夠把你的破產優勢，這一節將告訴您如何可以做到這一點。

1. 1 。 Deleting Credit Report Errors within 48 Hours 刪除錯誤的信用報告後48小時內

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. 這是積極的最快途徑，以糾正任何錯誤，可以提出您的信用報告，並可以提高您的信用評分在同一時間。

Nevertheless, you can’t do this all by yourself. 然而，你不能這樣做這一切的自己。 It can only be done via a mortgage company or a bank. 它只能通過抵押貸款公司或銀行。 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. 如果你申請破產的房屋貸款，發現有錯誤在您的信用報告，您可以要求貸款人員進行快速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，您必須確保不這樣做每次申請信用卡或您可能會得到一些自己更大的麻煩。 The Rapid Rescore strategy can be quite lengthy however as it needs some proper paperwork. 快速Rescore戰略可以相當冗長然而，因為它需要一些適當的文書工作。 To begin with, you will need some proof that the item is false. 首先，你會需要一些證據，證明該項目是虛假的。 To do this, you will have to ask the creditor to admit it on your behalf. 要做到這一點，你將不得不要求債權人承認，以自己的名義。

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，該帳戶是沒有真正自己的帳戶，信指出，該帳戶支付，釋放留置權的通知，一個滿意的判決，破產放電，信刪除的帳戶採集或其他任何可以讓你的要求很大。 This is the same sort of documentation that a bank or mortgage company would need from you for the credit account in any case. 這是同樣的文件，銀行或抵押貸款公司將需要從你的信用卡帳戶在任何情況下。 The only variation is that now you can improve your credit score and receive a lower interest rate with it instead. 唯一的變化是，現在您可以提高您的信用評分和接受較低的利率與它代替。 The results aren’t guaranteed and will run you about $50 per account, so you must take advantage of it carefully. 結果是沒有保障和運行你50美元的帳戶，所以你必須利用它仔細。

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. 這是最大的領域，你可能聽到許多詐騙報告。 Credit repair clinics tend to charge a hefty fee for their services in return for a clean credit report. 信用修復診所往往收取高額費用，他們的服務，以換取一個乾淨的信用報告。 Sometimes they even maintain that they can give you a new credit profile! 有時候，他們甚至認為，他們可以給你一個新的信用狀況！ People are now spending hundreds, or even thousands, of dollars for something they can actually do themselves. 現在人民消費數以百計，甚至數以千計的美元，他們實際上可以做自己。 Why? 為什麼？ Because the majority of people out there don’t realize that they can clear up their credit by themselves. 由於大多數人有沒有意識到，他們可以清楚他們的信貸本身。

More Bankruptcy Recovery tips on the next page of our guide, Bankruptcy Advantages 2 更多的破產回收秘訣下一頁我們的指導， 破產的優勢第2